Discover USA's Leading Fixed Term Deposits

Secure fixed returns up to 9.25% P.A.

Lock in guaranteed returns with USA's leading financial institutions

Compare FDIC authorised term deposits

Only regulated USA institutions with proven track records

Protected and insured deposits up to $250,000

Government-backed Financial Claims Scheme protection

Best compounded payment options

Choose monthly, quarterly, or annual payment schedules

Tax-Effective: state income taxes exemption

Maximise your after-tax returns with tax-efficient structures

Minimum investment from only $50,000

Access premium institutional rates with lower entry points

Why Now Is The Best Time

Take advantage of historically high interest rates while they last

Peak Interest Rate Environment

Current rates at 8-year highs. Lock in premium returns before they decline.

Market Volatility Protection

Unlike stocks or crypto, your capital is guaranteed and protected by the government.

Time‑Sensitive Opportunity

The RBA is expected to lower rates in 2025. Secure today's rates now.

Type	Returns	Risk	Liquidity	Protection
Fixed Term Deposit	Up to 8.25%	Government‑protected	Fixed Term	$250,000 insured
Stocks & ETFs	Variable returns	High	Immediate	No protection
Savings Accounts	2.5% P.A.	Very low	Immediate	$250,000 insured
Property	Variable Returns	Market Dependent	Low	No protection

Trusted By Thousands of American Investors

See what our clients say about their experience

“"I was skeptical at first, but USA Rates Compare found me a 8.5% rate when my bank was only offering 4.2%. The team was professional and the whole process took less than a week."”

Margaret – New York

“Outstanding service! They compared dozens of institutions and found me rates I didn't even know existed. My portfolio is now earning significantly more with complete peace of mind.”

David – Los Angeles

"I've used several comparison services, but none come close to the personalised attention and exclusive rates that USA Rates Compare provides. Highly recommended for serious investors.”

James – Chicago

50,000+Happy Investors

4.9/5Avg Rating

$2.5B+Invested

Frequently Asked Questions

Everything you need to know about our comparison service

What is a fixed term deposit?

A fixed term deposit is a secure investment where you deposit funds with a financial institution for a specified period at a fixed interest rate. Your capital is guaranteed and protected by the american Government Financial Claims Scheme up to $250,000 per institution..

How are these rates higher than my bank offers?

We have access to wholesale and institutional rates that aren't typically available to retail customers. By partnering with multiple FDIC-regulated institutions, we can negotiate better rates on behalf of our clients, often 2-3% higher than standard retail rates.

Is my money safe and protected?

Yes, absolutely. All institutions we work with are FDIC-regulated and covered by the American Government's Financial Claims Scheme (FCS). This means your deposits are protected up to $250,000 per account holder per institution. We only work with established, regulated financial institutions.

What is the minimum investment amount?

The minimum investment starts at $50,000. This threshold allows you to access institutional rates that provide significantly better returns than standard retail savings accounts.

Can I withdraw my money early?

Fixed term deposits are designed to be held until maturity. Early withdrawal is possible but may result in reduced interest rates or penalties, depending on the institution and term. We always recommend choosing a term that aligns with your financial goals.

How long does the comparison process take?

Our comparison process is quick and efficient. Once you submit your details, our team will analyse current market rates and present you with personalised options within 24 hours. The actual investment setup typically takes 3-5 business days.

Are there any fees for your service?

Our comparison service is completely free for investors. We're compensated by the financial institutions for bringing them qualified investors, which means you get better rates with no cost to you.

What makes term deposits better than other investments right now?

With current rates at 8-year highs (up to 9.25% P.A.) and expectations of rate cuts in 2025, now is an optimal time to lock in guaranteed returns. Unlike stocks or property, your capital is protected and returns are guaranteed regardless of market conditions.

Can I split my investment across multiple institutions?

Yes, and we often recommend this strategy. By spreading your investment across multiple FDIC-regulated institutions, you can maximize your FCS protection beyond $250,000 while still accessing premium rates.

What happens when my term deposit matures?

At maturity, you have several options: withdraw your funds plus interest, roll over into a new term deposit (possibly at different rates), or split your investment. We'll contact you before maturity to discuss the best options based on current market conditions.