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A bump-up CD lets you ask your bank to raise the interest rate on your existing certificate of deposit if it raises the rate for an eligible account. It does not reprice automatically, and the number of increases you may request depends on the bank and CD term. U.S. bank pages reviewed October 7, 2026, confirm bump-up products from Ally Bank, Marcus by Goldman Sachs, and Synchrony Bank; the list is not exhaustive, and terms and rates can change.
What is a bump-up CD?
A bump-up CD is a fixed-term deposit account with an option to request a higher rate during the term when the bank offers a qualifying higher rate. The original maturity date generally remains in place; the new rate applies to the remaining term, not to interest already earned. This is an option you must exercise, not an automatic rate adjustment.
Eligibility rules differ. A bank may require that its higher rate apply to the same term or balance tier, and it may limit how many times you can request an increase. The feature is useful only if the bank raises a qualifying rate while your CD is open and you meet the account rules.
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With a bump-up CD, you choose whether and when to request an eligible increase. A step-up CD follows rate increases scheduled by the bank in advance; the depositor does not trigger them. A scheduled step-up is not necessarily tied to the bank’s current advertised rate, while a bump-up depends on the issuer’s qualifying-rate rules.
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Which banks offer bump-up CDs?
Official U.S. bank product pages reviewed October 7, 2026, confirm the following examples. This is not a complete market list. Check the issuer’s current terms before opening an account because availability and rates can change.
| Bank and product | Rate-increase feature | Other stated terms |
|---|---|---|
| Ally Bank — Raise Your Rate CD | One possible increase for the two-year term or two for the four-year term, if the rate rises for the matching term and opening-balance tier. | No minimum deposit is listed on the product page. Current APY and offer terms should be checked with Ally. Ally product details |
| Marcus by Goldman Sachs — Rate Bump CD | May raise the rate to the highest rate then offered for the same term, subject to eligibility and the number of requests allowed for that term. A processed eligible request takes effect afterward. | $500 minimum. Withdrawing principal before maturity may incur a penalty that reduces earnings. APY may change before opening and funding. Marcus product details |
| Synchrony Bank — Bump-Up CD | One requested increase during the term if the offered Bump-Up CD rate rises; the higher rate applies from the increase date for the rest of the term. | The comparison page lists a 24-month term and no minimum balance. Early-withdrawal penalties apply; verify current availability and rates. Synchrony product details |
Rising Bank markets its Rising CD as a bump-up CD, but the retrieved rate details were inconsistent. Confirm the specific offer and its terms directly before relying on it. Rising Bank product details
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How should you compare bump-up CD offers?
Compare each bump-up CD with ordinary CDs of the same term. The option has value only if a qualifying rate rises during your account term, and a higher opening APY on a standard CD may be preferable if the bump-up product starts lower.
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- Opening APY and term: Compare the rate available when you open the account with ordinary CDs of the same maturity. APYs are volatile, so use the bank’s live offer rather than an old rate snapshot.
- Number of increases: Check how many requests the specific term allows. Do not assume every term from a bank has the same limit.
- Qualifying rate: Find out whether the bank must raise the rate for the same term, the same opening-balance tier, or another defined account category.
- Request process and timing: Confirm how you make a request and when the new rate takes effect. It normally applies prospectively to the remaining term rather than retroactively.
- Deposit rules and access to funds: Check the minimum and any maximum balance, plus the early-withdrawal penalty. A penalty can reduce earnings if you withdraw principal before maturity.
- Maturity and renewal: Read what happens at maturity and whether the CD renews automatically under the bank’s stated renewal terms.
When might a bump-up CD make sense?
It may suit someone who wants a fixed term but values the option to request a higher rate if the issuer’s rates rise. It is less compelling if its opening APY is materially below a comparable ordinary CD and the chance of a qualifying increase is uncertain. Since no bump-up option guarantees a higher return, weigh the opening rate against the feature rather than choosing by the label alone.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
