Barclays Bank CDs Review

A 4.00% headline APY with no minimum deposit, and terms from three months to five years. Independent Barclays Bank CDs review: 4.2/5 for certificates.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked August 14, 2026.

Our verdict

With no minimum deposit and 4.15% on the 9-month term, Barclays is the short-term CD with the fewest strings attached. Rates fall as terms lengthen, to 2.50% at three years and 2.00% at five, and there's no branch to walk into. That short list of catches is why the grade is high, so keep your money at the short end.

Skip it if you want to lock a rate for three to five years, or you want a branch.

About Barclays Bank CDs

A 4.00% headline APY with no minimum deposit, and terms from three months to five years. Barclays Bank CDs is offered by Barclays Bank Delaware (Member FDIC). Our editorial rating is 4.2 out of 5.

Best for: Short-term CDs with nothing required to open.

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

Highlights

4.00% headline APY, with the 9-month term at 4.15% and the 1-year at 4.00% (bank-stated, as of August 14, 2026)
No minimum deposit to open
Terms from 3 months to 5 years

What we like

Nothing to deposit to open, giving it the shortest list of conditions of any CD here
Short terms carry the best rates, so cash is not locked away for them
Barclays Bank Delaware is FDIC insured in its own right

Where it falls short

Long terms pay much less: 3-year 2.50%, 5-year 2.00%
Online only, with no branch to walk into
Rate is best at 9 months, which does not suit money needed sooner

Fees, minimums, and rates

Monthly fee: $0 monthly; early-withdrawal penalty applies. Minimum to open: $0. Current APY: 4.00%. Rates and fees last checked on August 14, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Barclays Bank Delaware (Member FDIC). It is built from Barclays Bank Delaware (Member FDIC)'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.

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Read our full editorial methodology for how we review products.