Edward Jones CD Rates for 2026: Latest APYs and Terms
Written by
Karen Doyle
Edited by
Joe Evans
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If you already invest through Edward Jones and want a safe place for cash, its brokered certificates of deposit (CDs) can offer higher yields than a typical bank CD while still keeping your money FDIC insured. Instead of issuing CDs itself, Edward Jones shops CDs from banks across the country and makes them available through your advisor.
Heading into 2026, CD rates have cooled from their recent highs but are still attractive. The national average for a 12-month CD is about 1.63% APY as of December 15, 2025, while top 1-year CDs from online banks and credit unions are still paying up to 4.3% APY. Edward Jones lands in the middle of that range, with solid yields plus personalized advice.
Always confirm the latest APYs with Edward Jones before you invest, since rates can change at any time.
Current Edward Jones CD Rates for Early 2026
| CD Term | APY | Minimum Investment | Notes |
|---|---|---|---|
| 3 months | 3.8% | $1,000 | Short-term parking for near-term cash needs |
| 6 months | 3.85% | $1,000 | Slightly higher yield for a half-year lock |
| 9 months | 3.8% | $1,000 | Works well as part of a CD ladder |
| 12 months | 3.75% | $1,000 | Core 1-year option for 2026 goals |
| 2 years | 3.7% | $1,000 | Good medium-term pick if you expect falling rates |
| 3 years | 3.75% | $1,000 | Balances yield and flexibility |
| 4 years | 3.85% | $1,000 | Higher yield if you can commit longer |
| 5 years | 3.9% | $1,000 | Top new-issue rate currently listed |
Additional terms like 18, 30, 7-year and 10-year CDs may be available at times, but rates can vary and some terms may not be offered continuously. Minimum CD investment at Edward Jones is $1,000 for most terms.
Key Features of Edward Jones CDs
Edward Jones CDs work differently from CDs at your local bank because they’re brokered CDs:
- Brokered structure: Edward Jones buys CDs in bulk from many FDIC-insured banks, then offers them to clients through its brokerage platform.
- FDIC coverage: CDs are FDIC-insured up to $250,000 per depositor, per issuing bank, per ownership category. Because your CDs can be spread across multiple banks, high-net-worth investors may be able to insure much more than $250,000 in total CD balances.
- $1,000 minimum: You generally need at least $1,000 to open a new CD.
- No compounding: Edward Jones CDs do not compound interest. Instead, interest is paid out periodically (often monthly, quarterly or at maturity) into your linked money market or bank sweep account.
- Secondary-market liquidity: You typically cannot “break” the CD like at a bank. If you need cash early, your advisor must sell the CD on the secondary market, and you may get more or less than your original principal depending on interest rate moves.
How Much Can You Earn With Edward Jones CDs?
Because Edward Jones CDs pay interest rather than compounding it, your earnings are fairly easy to estimate.
Here’s an approximate look at what a $10,000 investment could earn, assuming you hold the CD to maturity and just take the interest payments:
| Deposit | Term | APY | Approx. Interest Earned | Total at Maturity* |
|---|---|---|---|---|
| $10,000 | 3 months | 3.8% | about $95 | $10,095 |
| $10,000 | 6 months | 3.85% | about $193 | $10,193 |
| $10,000 | 12 months | 3.75% | about $375 | $10,375 |
| $10,000 | 3 years | 3.75% | about $1,125 | $11,125 |
| $10,000 | 5 years | 3.9% | about $1,950 | $11,950 |
*Estimates assume simple interest with no reinvestment; actual payouts depend on your specific issue and payment schedule.
Quick context: With the national average 12-month CD at 1.63% as of December 2025, a typical bank CD on $10,000 would earn around $163 in a year, versus about $375 at Edward Jones on a 1-year CD at 3.75%.
Use the Savings Calculator from GOBankingRates to get a closer look at your estimated earnings over time.
Pros and Cons of Edward Jones CDs
Use this snapshot to see whether Edward Jones fits your CD strategy.
| Pros | Cons |
|---|---|
| Rates well above the national CD average, especially on 1 to 5 year terms | Not the highest yields available — top online banks and credit unions still pay up to about 4.3% APY on some 1-year CDs |
| $1,000 minimum makes CDs accessible for many investors | Interest does not compound, since payouts go to your sweep or money market account instead of staying in the CD |
| Ability to spread CDs across multiple issuing banks, which can boost the amount of FDIC-insured savings for large portfolios | You generally can’t do a standard early withdrawal the way you can at a bank CD — selling on the secondary market can mean a loss of principal if rates rise |
| Personal advice from an Edward Jones financial advisor on how CDs fit into your broader investment mix | Some investors may face commissions or concessions on certain CD purchases, which can reduce your effective yield, especially for smaller balances |
How To Open an Edward Jones CD in 2026
Edward Jones doesn’t let you open CDs in a few clicks like an online bank. Expect more of a traditional, advisor-driven process.
Here’s how it usually works:
- Connect with an Edward Jones financial advisor
- Use the advisor locator on Edward Jones’ website or contact your existing advisor.
- Discuss your goals and time frame
- Decide whether you need short-term (3 to 12 months) or longer-term (2 to 5 years) CDs
- Ask whether a CD ladder makes sense for your cash and income needs
- Review current CD inventory and rates
- Your advisor will show you available new-issue CDs from multiple banks, their APYs and payment schedules
- Confirm issue date, maturity date and how often interest will be paid
- Fund the CD
- Move cash from your Edward Jones brokerage or bank account
- Or transfer funds from an external bank into your Edward Jones account
- Choose where interest is paid
- Direct interest into a money market or an insured bank deposit account at Edward Jones, so it starts earning right away
- Track your CDs
- Use your online Edward Jones account and statements to monitor balances, interest payments and upcoming maturities
Edward Jones CD Rates vs. Other Banks
Here’s a look at how Edward Jones stacks up against alternatives you might consider when it comes to three-month and one-year CD rates.
Is an Edward Jones CD Right for You?
Edward Jones CDs can be a good fit if:
- You already work with an Edward Jones advisor and want all your investments and cash in one place
- You prefer FDIC-insured, low-risk income rather than market volatility
- You’re comfortable with locking in your money until maturity in exchange for a predictable yield
- You like the idea of spreading large CD balances across multiple banks for more insured coverage
You may want to look elsewhere if:
- You’re chasing the absolute highest APY, regardless of where you bank
- You want full DIY control, simple early-withdrawal penalties and the option to open CDs online in minutes
- You need your savings to stay liquid, or you think there’s a good chance you’ll need to sell early
Final Take to GO
Edward Jones CDs give you a way to boost your cash yield above typical brick-and-mortar bank CDs while keeping your principal FDIC insured and integrated with your broader investment plan. For many investors, the 3.7% to 3.9% APY range on multi-year CDs in late 2025 makes sense if you expect interest rates to drift lower as 2026 unfolds.
They won’t always beat the very top online CD offers, and the lack of simple early-withdrawal penalties means they’re best for money you truly can set aside until maturity. If you’re already using Edward Jones for investing and want steady, predictable income without adding new banks to your life, their CDs can be a practical piece of your 2026 savings strategy.
If, on the other hand, you’re comfortable opening new accounts and managing everything yourself, shopping high-yield CDs directly from banks and credit unions could squeeze out a bit more return.
FAQ: Edward Jones CD Rates for 2026
Take a look at these frequently asked questions about Edward Jones CDs.- Are Edward Jones CDs FDIC-insured?
- Yes. Edward Jones CDs are issued by FDIC-insured banks and are covered up to $250,000 per depositor, per bank, per ownership category. Edward Jones itself is not a bank; FDIC coverage “passes through” to the issuing institutions as long as certain conditions are met.
- What are the current Edward Jones CD rates for 2026?
- As of December 16, 2025, Edward Jones lists new-issue CD rates around 3.7% to 3.9% APY on terms from 2 to 5 years, with shorter terms like 3, 6 and 12 months in the 3.75% to 3.85% APY range. Rates can change quickly, so check with your advisor or the Edward Jones website before you invest.
- Do Edward Jones CDs compound interest?
- No. Edward Jones CDs generally do not compound interest inside the CD. Instead, the CD pays interest on a set schedule, and those payments are deposited into your linked Edward Jones money market or bank deposit account, where they may start earning interest.
- Can I cash out an Edward Jones CD early?
- Not the same way you would at a bank CD. With most Edward Jones CDs, there’s no simple “early withdrawal penalty” option. If you want out early, your advisor typically needs to sell the CD on the secondary market, and you could receive more or less than your original investment depending on current rates and market pricing.
- Are Edward Jones CD rates better than bank CD rates?
- Often yes, compared with average branch bank CDs, which sit near 1.63% APY for a 12-month CD as of December 2025. However, some of the very best online and credit union CDs pay up to about 4.3% APY on 1-year terms, which can outpace Edward Jones. The trade-off is whether you prefer maximum yield or the convenience and advice that come with a brokerage-based CD strategy.
Melanie Grafil, Sarah Sharkey and Caitlyn Moorhead contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 1, 2026.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
