Historical Ally 12 Month CD Rates 2010-2020

Graph of the Ally Bank CD rates (APY) vs the Federal Funds Rate and National Average CD Rate.
Graph of the Ally Bank CD rates (APY) vs the Federal Funds Rate and National Average CD Rate.

I included the Federal Funds Rate (source: St Louis Fed, Federal Funds Rate) as a comparison as this is the rate that banks lend to each other. You can see the spike in Ally Bank rates generally following increases and decreases with changes to the Federal Funds Rate. So if you’re on the fence about figuring out when is a good time to lock in a rate with Ally Bank on a CD, just look at how the Federal Funds rate has been trending.

In addition, I included the national average for the 12 month CD rates (source: St Louis Fed Avg 12 Month CD). This average seems to be less responsive to the Federal Funds rate, but still shows some similar movement.

Table of Ally 12 Month CD Rates 2010-2020

DateAPY Source
6/6/20101.49%Web Archive
7/17/20101.48%Web Archive
12/5/20101.29%Web Archive
12/26/20101.28%Web Archive
4/26/20111.23%Web Archive
6/22/20111.20%Web Archive
9/25/20111.12%Web Archive
11/30/20111.01%Web Archive
12/31/20110.99%Web Archive
4/21/20121.05%Web Archive
5/4/20121.04%Web Archive
7/25/20121.02%Web Archive
10/5/20121.04%Web Archive
11/27/20121.04%Web Archive
12/28/20121.04%Web Archive
2/9/20130.99%Web Archive
6/3/20130.94%Web Archive
7/30/20130.94%Web Archive
8/8/20130.94%Web Archive
1/22/20141.01%Web Archive
2/14/20141.00%Web Archive
7/9/20140.95%Web Archive
9/3/20141.00%Web Archive
12/3/20141.00%Web Archive
1/29/20151.05%Web Archive
4/26/20161.05%Web Archive
11/29/20161.05%Web Archive
5/3/20171.30%Web Archive
12/1/20171.35%Bankrate
12/20/20172.00%Fat Piggy
2/15/20182.75%Web Archive
7/9/20192.55%Web Archive
12/13/20192.00%Hustler Money Blog
1/26/20202.00%I pulled this

Note for anyone else, I had some trouble with the Web Archive providing inconsistent results on the pages I was using to get the interest rates from. This is why for some of the more recent recordings, I used blog posts to get the rates. I think there is some kind of issue with how the data is saved since it looks like the data is loaded by javascript I think my browser is caching the javascript file with information from a previous snapshot.

Current Ally Rates

Recorded 2/1/2020

  • 9 Month: 1.25%
  • 12 Month: 2%
  • 18 Month:
    • Less than $5k Deposit : 1.9%
    • $5k – $25k Deposit : 2.0%
    • Greater than $25k Deposit: 2.05%
  • 3 Year:
    • Less than $5k Deposit : 1.95%
    • $5k – $25k Deposit : 2.05%
    • Greater than $25k Deposit: 2.10%
  • 5 Year: 2.15%

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