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.

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) and currently holds an average rating of 4.2 out of 5 across 610 user reviews. It falls into the Certificates of Deposit category and tends to be the strongest fit 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% (advertiser-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 — 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 promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). We open and fund every account to verify rates, check transfer speeds, and test the mobile app on both iOS and Android. For this review of Barclays Bank CDs, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Certificates of Deposit shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.