CD Rates at Vanguard
Certificates of deposit (CDs) are available inside self-directed brokerage accounts at Vanguard, along with a range of other fixed-income securities that offer competitive rates.
Finding them on the Vanguard website is fairly simple. We do stress “website” here, since Vanguard’s mobile app does not include fixed-income search tools.
On the website, click the “What We Offer” tab. From the drop-down menu, select the link for CDs under the “Investment products” section. This opens an informational page about brokered CDs at Vanguard. To access the actual search tool, scroll down until you see the button for CD rates and click it to launch the search wizard.
The search tool appears with a matrix that includes CD and bond rates. Yields are linked by maturity, making it very easy to locate CDs with specific rates and terms.
The search wizard also includes tabs for different types of fixed-income securities. One of these tabs is for CDs. Clicking this tab opens a more detailed search tool that lets you narrow results by CD type. For example, you can search by secondary or primary market, payment frequency, coupon month, ask price, and more (select the advanced search option to see the full list of filters).
Example CD Rates at Vanguard
Using Vanguard’s search tools in both matrix and scanner views, we found the following certificates of deposit:
| Bank | Maturity date | Yield |
|---|
| JPMorgan Chase | 9/13/2026 | 3.75% |
| Charles Schwab | 12/16/2026 | 3.68% |
| BMO Harris Bank | 3/8/2027 | 3.55% |
| Bank of China | 9/6/2027 | 3.52% |
| First Republic Bank | 9/11/2028 | 3.54% |
Researching CDs at Vanguard
Detailed information on a specific CD can be accessed through the search engine with the CDs tab selected. For some reason, CDs shown only in the search matrix do not display full details.
In the search results, click on a CD’s title to open a detailed information page for that security. Available data points include:
Bid-ask details
Yield at issue
First settlement
Day count
Coupon
How to Buy CD on Vanguard
Placing an order for a brokered CD on Vanguard’s platform is fairly straightforward. The research page mentioned above includes a trade button, and CD search results also show trade links or buttons. Click any trade option to open the CD order ticket.
The order quantity field displays the last three zeroes automatically for easier entry. In most cases, the minimum purchase is $1,000, which means entering a 1 in the quantity field. Each CD also shows the maximum order size. Review the order and submit it when ready.
Fees and Minimums on Brokered CDs at Vanguard
Vanguard charges $1 per $1,000 of face value on secondary brokered CD trades, with a maximum fee of $250 per transaction. New-issue CDs do not carry a commission.
More Cash Options at Vanguard
The same CD search wizard also displays other fixed-income choices. Corporate bonds are one example, and they are available with different credit ratings and maturity dates. Yields are linked, making it easy to review available options.
Corporate bonds follow the same commission schedule as brokered CDs.
Brokered CDs at Charles Schwab
Charles Schwab offers a broader selection of brokered CDs than Vanguard. Schwab also allows trading in secondary CDs, which are CDs that were originally purchased from issuing banks and later sold on the secondary market.
During our review of Schwab’s CD screener, we found more than 200 of these securities. We also noticed that the screener is easy to use, making it simple to locate CDs that meet specific needs. The CD screener can be found in the Research section of Schwab’s website.
Beyond its easy-to-use tools, Schwab offers several advantages for CD investors. One of the biggest is that there are no account fees or minimum balance requirements. This allows investors to open an account with no deposit and explore Schwab’s tools without risk.
Schwab also has a low barrier to entry when it comes to trading costs. There are no commissions on primary CDs, and secondary CDs cost just $1 per CD, with a $10 minimum. Schwab also keeps trading costs low on other fixed-income investments. Online Treasury trades, for example, have no commissions, and many bond funds trade with no transaction fees.
Another useful feature at Schwab is the CD ladder tool. This ladder builder is available on Schwab’s website and allows investors to create a CD ladder with up to five CDs, each with a different maturity date. A short video tutorial is also available to explain how the tool works.
When it comes to education, Charles Schwab provides a large library of learning materials focused on CDs and other fixed-income investments. Investors can also speak with fixed-income specialists at no extra cost for additional guidance.
Another major benefit of Charles Schwab is how quick and easy it is to open a new brokerage account. Accounts can be opened through either the website or the mobile app. On the website, an orange button at the top of the page starts the process. On the mobile app, the account-opening option can be found under the icon in the upper-left corner.
Schwab supports many tax-efficient account types, including IRAs, custodial accounts, solo 401k plans, and trusts. No matter your tax strategy, Schwab likely has an account that fits your needs.
Get The Best CD Rates Today
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Charles Schwab CD Rates
CD rates at Charles Schwab are very competitive. Some CDs offer yields to maturity as high as
3.93%.
Schwab’s CD screener makes it easy to search by criteria such as maturity date and yield. As an example, we found the following options:
| Bank | Maturity date | Yield |
|---|
| Wells Fargo Bank | 9/18/2026 | 3.80% |
| Pinnacle Bank | 6/23/2026 | 3.80% |
| Bank of Baroda | 12/24/2026 | 3.75% |
| Bank of America | 6/21/2027 | 3.60% |
| Goldman Sachs Bank | 12/23/2025 | 3.75% |
Some of these rates are higher than what savings accounts, money market mutual funds, and other fixed-income options offer.
Read detailed Charles Schwab Review.
Updated on 2/17/2026.
Chad Morris is a financial writer with more than 20 years experience
as both an English teacher and an avid trader. When he isn’t writing
expert content for Brokerage-Review.com, Chad can usually be found
managing his portfolio or building a new home computer.
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