Barclays Bank CDs Review

Online CDs from 6 to 60 months at 4.00% to 4.75% APY, with no minimum deposit. Independent Barclays Bank CDs review: 4.2/5 for certificates of deposit.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

Barclays asks for no minimum on any CD term and pays 4.50% on one year, 4.75% on two years and on five, with 4.00% on the 6- and 9-month terms. Leaving early costs 90 or 180 days of simple interest, and any shortfall comes out of principal. There's no branch to walk into, and that short list of catches is why the grade is high.

Skip it if you want a branch, or need to move money by wire, which Barclays doesn't accept.

About Barclays Bank CDs

Online CDs from 6 to 60 months at 4.00% to 4.75% APY, with no minimum deposit. Barclays Bank CDs is offered by Barclays Bank Delaware. Our editorial rating is 4.2 out of 5.

Best for: Savers who want a CD ladder with no minimum to open.

Editorial grade: A- (composite score 86/100).

Highlights

12-month CD at 4.50% APY; the 24- and 60-month CDs pay 4.75% (Barclays' own rate table, accurate as of 10/07/2026)
No minimum deposit to open and no monthly fees; interest compounds daily and is credited monthly
Early withdrawal costs 90 days of simple interest on terms of 24 months or less and 180 days on longer terms

What we like

No minimum deposit on any term
The longest terms are not penalized on rate: the 24- and 60-month CDs pay the top 4.75%
Barclays Bank Delaware is FDIC insured in its own right
Email alerts about 30 and 7 days before a CD matures, and a 14-day grace period after

Where it falls short

Online only, with no branch to walk into
The 6- and 9-month terms pay 4.00%, half a point below the 12-month rate
If the early-withdrawal penalty is larger than the interest earned, the difference comes out of principal

Fees, minimums, and rates

Monthly fee: $0 monthly; early-withdrawal penalty of 90-180 days' interest. Minimum to open: $0. Current APY: 4.50%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Barclays Bank Delaware. It is built from Barclays Bank Delaware's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Certificates of Deposit shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

Barclays Bank Delaware, FDIC certificate 57203: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.