Alternatives

Alternatives to Ally No-Penalty CD

If Ally No-Penalty CD isn't quite right, here are 9 comparable options we'd actually consider — ranked and explained.

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01
Marcus No-Penalty CD✓ Verified
Marcus No-Penalty CD: 4.00% APY on 11 months (as of 10/19/2026), $500 minimum, no early withdrawal penalty.
EssentialCDs
94/100
→ 02
Capital One 360 1-Year CD✓ Verified
Capital One 360 CDs: 4.00% APY on 12 months, 4.40% on the 11-month special (effective 10/19/2026), no minimum.
EssentialCDs
97/100
→ 03
American Express CD✓ Verified
Amex CDs: 4.40% APY on 10 and 22 months (as of 10/19/2026), no minimum balance, no monthly fees.
EssentialCDs
97/100
→ 04
Bread Savings CD✓ Verified
Bread Savings CDs: 4.85% APY on 18 months and 4.45% on 1 year (as of 10/19/2026), $1,500 minimum, FDIC-insured.
EssentialCDs
99/100
→ 05
Marcus by Goldman Sachs High-Yield CD✓ Verified
Marcus High-Yield CDs: 4.40% APY on 12 months, 18 months and 2 years (as of 10/19/2026), $500 minimum.
EssentialCDs
96/100
→ 06
Synchrony Bank CD✓ Verified
Synchrony CDs: 4.40% APY on 13 months and 4.50% on 60 months (as of 10/19/2026), no minimum deposit.
EssentialCDs
96/100
→ 07
Popular Direct CD◆ Partner data
A 4.11% 1-year APY from Popular Bank, sourced from our data partnership.
StrongCDs
85/100
→ 08
Sallie Mae 18-Month CD✓ Verified
Sallie Mae CDs: 4.40% APY on 18 months and every term from 12 to 30 months (as of 10/19/2026), $2,500 minimum.
EssentialCDs
93/100
→ 09
E*TRADE Certificate of Deposit◆ Partner data
A 4.10% 1-year APY from Morgan Stanley Private Bank, N.A., sourced from our data partnership.
EssentialCDs
92/100
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