Edward Jones CD Rates and Terms for 2026
Written by
Karen Doyle
Edited by
Elizabeth Constantineau, CFHC™
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When opening a certificate of deposit (CD), it’s important to understand the basics — such as the term length and maturity date — but the most important factor is the annual percentage yield (APY).
Current Edward Jones CD Rates: February 2026
Here are the current Edward Jones CD rates available this month:
| Term | APY | Minimum Deposit |
|---|---|---|
| 3 months | $1,000 | |
| 6 months | $1,000 | |
| 9 months | $1,000 | |
| 12 months | $1,000 | |
| 18 months | $1,000 | |
| 2 years | $1,000 | |
| 3 years | $1,000 | |
| 4 years | $1,000 | |
| 5 years | $1,000 |
Since Edward Jones is not a bank, its CD offerings are brokered through other FDIC-insured banks. Some examples of the banks in its network include Ally Bank, BMO and KeyBank.
Edward Jones CDs: Features and Benefits
A CD is a savings product that is sold by a bank, credit union or in this case, a brokerage firm. It has a fixed term, usually anywhere from one month to 10 years. Interest rates are typically guaranteed for the length of the term.
Here are some key features to consider when it comes to Edward Jones CDs:
- Edward Jones financial advisor: Edward Jones is a brokerage firm that offers advisors who provide you with financial guidance, which is a perk of opening Edward Jones brokered CDs.
- Minimum investments: There is a $1,000 minimum investment to purchase a CD from Edward Jones.
- Brokerage account: Having an account with Edward Jones means you can buy CDs from multiple banks.
- CD secondary market: You can resell your CD on the secondary market, which means you could potentially get your money back before the end of the term with a higher rate without incurring early withdrawal fees.
Pros and Cons of Investing With Edward Jones
Every financial decision has advantages and disadvantages. Here’s what to know about investing with Edward Jones.
Pros
- High interest rates available: Many of the CDs available through Edward Jones are highly competitive.
- FDIC insured: FDIC insurance offers peace of mind that your investment is protected, even if the bank goes out of business.
- Option to sell your CDs: If you need money quickly, you won’t have to incur an early withdrawal penalty by breaking your CD. Instead, you can sell it through a secondary market.
Cons
- May lose money: While you can sell your CD on the secondary market, you could take a loss on the investment.
- Must work with Edward Jones: You will need to work with an Edward Jones advisor to purchase a CD.
- Interest doesn’t compound: You won’t earn interest on your interest with an Edward Jones CD.
How Much Can You Earn With Edward Jones CDs?
Your earnings on a CD will depend on many factors, including:
- Your deposit amount
- The CD term
- The APY for that term
Below, you’ll see estimated earnings on some of the Edward Jones CDs with the highest APYs:
| Deposit Amount | Term Length | APY | Estimated Interest Earned* |
|---|---|---|---|
| $1,000 | 3 months | $9.25 | |
| $5,000 | 6 months | $92.89 | |
| $10,000 | 12 months | $375 | |
| $20,000 | 3 years | $2,367.74 |
Use the Savings Calculator from GOBankingRates to get a closer look at your estimated earnings over time.
How To Open an Edward Jones CD
If you want to open an account with Edward Jones, use the following steps to move forward:
- Confirm you have at least $1,000: Make sure you have enough to cover this investment and still leave wiggle room in your finances for emergencies.
- Connect with an Edward Jones advisor: You must work with a financial advisor through Edward Jones to purchase a CD. The company offers a tool to help you find the perfect match.
- Move forward with a CD purchase: With the help of an Edward Jones financial advisor, you can purchase the CD you have in mind.
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.
| Bank or Brokerage | 3-month CD | 1-year CD |
|---|---|---|
| Edward Jones | ||
| Fidelity | ||
| Vanguard | (1-3 month CD) | (10-12 month CD) |
Is an Edward Jones CD Right for You?
Edward Jones CDs work well for certain savers but may not suit everyone’s financial goals.
Ideal For
- Edward Jones CDs are best for conservative savers.
- They’re a good option for retirees who are looking for steady and predictable income.
- They can also work for those who want to create a CD ladder.
Not Great For
- They’re not ideal for compounding interest, as it’s not offered on their CDs.
- They may not be the best choice for those who desire faster or greater growth with their funds.
- They’re also less suited for those who prefer DIY investing rather than working with a financial advisor.
Final Take
Edward Jones CD rates offer a fairly competitive APY, which is nice if you’re not a big risk taker when it comes to your money. You’ll earn a fixed return and receive your guaranteed interest at maturity.
However, if you need a bit more flexibility or want the opportunity for higher returns, you could look at high-yield savings accounts, Treasury securities or even money market accounts — which offer some of the benefits of a savings account combined with checking account features.
Edward Jones CD Rates: FAQ
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.
- 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?
- Edward Jones CD rates are above the national average. However, you might be able to find even higher rates at some of the top online banks or credit unions.
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. 26, 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.
