12-Month CD


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15-Month CD


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18-Month CD


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36-Month CD


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Fixed Term CDs

Rates below are available only for CDs opened online.

Term Online APY+

12 month


15 month 


18 month


36 Month


To learn about CD rates and terms offered at your local branch, please call 1-844-BBVA USA or your local branch.


Great rates are just the beginning

With a CD from BBVA, you'll not only enjoy a terrific rate of return on your investment, you'll also enjoy it risk-free. That's because CDs are FDIC-insured up to applicable limits. That means you receive a guaranteed rate without risk. Beyond our exceptional rates and FDIC Insurance, you'll also enjoy:

  • No Maintenance Fees*

    Some banks charge you extra to maintain your CD account. Not us.

  • 24/7 Access

    Check on the status of your CDs online anytime, anywhere.

  • Total Confidence
     With BBVA, you'll be investing with one of the top 20 largest U.S. commercial banks based on deposit market share.


get Started

Steps to get started

New to CDs and the world of investing? No problem. While putting your money out of reach (even for just a short time) may be a new concept to you, it's one of the smartest ways to invest and start having your money work for you (instead of you always working for your money). In a nutshell, a CD keeps your money safe for the amount of time you decide. You won't be able to spend it during this term of the account, but that means your money will be there, at the end of your CD term, if you need it.


Look online for articles about CDs and talk to people you trust about their investing experience. You may even want to consult a financial planner.

Determine Your Goals

What do you want to save for? A vacation next summer? A house in two years? Knowing your goals will guide you to the CD that's right for you.

Look at Your Budget

Before you can invest, you have to figure out how much to invest. Develop a budget of your monthly expenses and savings needs. Then choose an amount you'd be comfortable not touching for the length of the CD.

Pick Your Term

With multiple term options, simply choose the CD terms that fit your financial needs best.

Contact BBVA

Whether you apply online, in a branch or by phone, getting started with a CD takes only a few minutes.

Details you need to make a smart decision

+Annual Percentage Yield (APY) current as of 03/10/2021. Fees could reduce the earnings on the account. Interest rates and Annual Percentage Yield are  subject to change at any time at the discretion of BBVA. To obtain current rate information at any time, call 1–844–BBVAUSA or visit bbvausa.com.

CD accounts subject to approval. $500 minimum opening deposit required to earn advertised APY. Rates may vary based on whether you apply for your CD online, in person or by phone. Advertised APYs are only available for new CDs and for the initial CD term. Advertised APYs will not apply for subsequent renewal terms. Fees could reduce earnings on the account. Substantial penalty for early withdrawal. $250,000 maximum deposit for CD accounts opened online. BBVA opens CD accounts that have no certificate known as Time Deposits or TDs. See terms and conditions for additional details.

*Early withdrawal penalty fees may apply. See accounts terms and conditions for additional information.