For example, both Chase and Suntrust offer higher interest rate on CDs that you link to their checking accounts. Wells Fargo offers two CDs with minimum deposit amounts of $1,000 and $2,500, with the bigger deposit earning a higher rate. Typically, most CDs require around $1,000-$2,000 to open. What we like -- A distinguishing feature of Ally CDs is their tiers, the highest of which earns handsomely. Deposits under $5,000 -- there is no minimum -- earn the lowest of the three rates (below), those between $5,000 and $25,000 earn at the middle rate, while deposits above $25,000 garner the highest APY.