# The convenience of keeping all your money under one roof can be reason enough to open a CD with a big bank.

*fintech · news · 2026-04-06 · Fortune*

## Key points

- Big banks often offer a wider selection of CD terms and types than smaller banks.
- Some big banks provide relationship rate bumps for existing customers, potentially improving your CD APY.
- CDs at large banks are not inherently safer than those at smaller banks if both are FDIC insured.
- Big-name banks frequently change their CD rates, sometimes as often as every few weeks.
- Big banks occasionally offer APYs that rival the best rates from online banks.

**Companies:** Chase, Bank of America
**Countries:** United States

[Read the full story on Fortune](https://fortune.com/article/major-bank-cd-rates-04-06-2026/)

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