Edward Jones CD Rates
Updated August 2026 · By the Fintiex Rate DeskEdward Jones does not issue its own CDs. It sells brokered CDs, which are certificates issued by other FDIC-insured banks and offered through your Edward Jones brokerage account. The rate you see is set by the issuing bank, and Edward Jones passes it along, sometimes with a concession built into the price.
Rates on new-issue CDs at Edward Jones have recently sat in the range of roughly 3.70 to 3.90% APY across terms from 3 months to 5 years. That puts them below the best online banks on short terms, and roughly in line with the market on longer terms. The minimum investment is typically $1,000.
The main reason to buy a CD here is convenience: if your retirement and brokerage money already lives at Edward Jones, holding CDs in the same account keeps everything in one statement. The main reason not to is rate. If you are chasing yield alone, an online bank or a brokerage with a bigger CD marketplace will usually pay more.
Edward Jones CD rates
Brokered CDs issued by partner FDIC-insured banks. Minimum deposit: $1,000.
Rates as of mid-2026. Brokered CD rates change daily with the bond market. The figures above are approximate ranges observed in mid-2026. Confirm live rates with your Edward Jones advisor or in your online account before buying.
How Edward Jones CD rates compare
The best nationally available 12-month CDs from online banks were paying around 4.10% APY in mid-2026, and the FDIC's national average for a 1-year CD was about 1.99%. Edward Jones lands in between: far better than a typical branch bank, noticeably behind the online leaders.
Because these are brokered CDs, you can sell before maturity on the secondary market instead of paying an early withdrawal penalty. That flexibility can matter for larger ladders, but the sale price depends on rates at the time, so you can lose principal if rates have risen.
Before you open: the fine print
Interest on most brokered CDs does not compound. A 3.80% brokered CD pays simple interest to your settlement account, so the effective yield on reinvested cash depends on what that account pays. Also confirm whether a concession or markup is built into the offered rate.
Edward Jones CD questions, answered
Are Edward Jones CDs FDIC-insured?
Yes. The CDs are issued by FDIC-member banks, so the standard $250,000 per depositor, per issuing bank coverage applies. A useful side effect: by buying CDs from several different issuing banks inside one Edward Jones account, you can insure well over $250,000 in total.
Can I withdraw early from an Edward Jones CD?
Not in the traditional sense. Brokered CDs have no early withdrawal option; instead you sell the CD on the secondary market at the current price. If rates have risen since you bought, the sale price will likely be below what you paid.
Why are Edward Jones CD rates lower than online banks?
Edward Jones offers rates from the banks it partners with, and a distribution cost is effectively built in. Online banks pay more because they use CDs to gather deposits directly and have no branch or advisor overhead to cover.
Do Edward Jones CDs automatically renew?
No. At maturity the principal and final interest land in your brokerage settlement account as cash. If you want to stay in CDs, you or your advisor buy a new one. That is different from bank CDs, which typically auto-renew unless you act during a grace period.
Next step
Before locking any CD, spend two minutes comparing the term you want against the current national leaders. If you need the money to stay liquid, a top high-yield savings account may serve you better than a short CD.