Certificates of Deposit ads in ChatGPT
Ads shown in ChatGPT conversations about Certificates of Deposit. We recorded 151 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 144 ads from 19 advertisers. Most often shown: Nerdwallet, EverBank and SoFi.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Certificates of Deposit conversations
19 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 144 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | Nerdwallet | 72 | 50.0% |
| 2 | EverBank | 15 | 10.4% |
| 3 | SoFi | 12 | 8.3% |
| 4 | Axos Bank | 10 | 6.9% |
| 5 | BestMoney | 8 | 5.6% |
| 6 | Capital One | 5 | 3.5% |
| 7 | mybanktracker.com | 4 | 2.8% |
| 8 | Chime | 3 | 2.1% |
| 9 | Bishop Gold Group | 2 | 1.4% |
| 10 | Fisher Investments | 2 | 1.4% |
| 11 | Quicken | 2 | 1.4% |
| 12 | Relay | 2 | 1.4% |
| 13 | CFG Bank | 1 | 0.7% |
| 14 | CIT Bank | 1 | 0.7% |
| 15 | Creative Planning | 1 | 0.7% |
| 16 | instantly.ai | 1 | 0.7% |
| 17 | Mutual of Omaha Mortgage | 1 | 0.7% |
| 18 | Robinhood | 1 | 0.7% |
| 19 | ubt.com | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 144 | 100.0% |
| Shopping ad (product name and price) | 0 | 0.0% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- NerdwalletText ad
Best CD Accounts
Shown 69 times
- SoFiText ad
SoFi Online Savings Account
Shown 12 times
- Axos BankText ad
Earn up to 5.00% APY*.
Shown 10 times
- EverBankText ad
HYSA | Earn More
Shown 8 times
- BestMoneyText ad
Find a High-Yield Account
Shown 6 times
- Capital OneText ad
Open a High Rate CD
Shown 4 times
- ChimeText ad
Chime® High Yield Savings
Shown 3 times
- mybanktracker.comText ad
Compare the Top CD Rates
Shown 3 times
- RelayText ad
High-Yield Business Savings
Shown 2 times
- Bishop Gold GroupText ad
Free Guide: How Self-Directed IRAs Work
Shown 2 times
- Creative PlanningText ad
Registered Investment Advisor
Shown 1 time
- QuickenText ad
Smarter Investment Plans
Shown 1 time
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “navy federal special certificate vs a synchrony cd for a military household with $20,000”, after the follow-up message, ChatGPT showed an ad from EverBank.
Text ad: “One of Top HYSAs”
Comparison question · Oct 4, 02:24 ET
In a conversation that began “credit union cds”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Best CD Accounts”
Short search question · Oct 4, 04:05 ET
In a conversation that began “best cd term when rates are falling”, after the follow-up message, ChatGPT showed an ad from Capital One.
Text ad: “High Yield Savings Rate”
Best for question · Oct 3, 23:17 ET
In a conversation that began “best credit union certificate rates”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “SoFi Online Savings Account”
Best for question · Oct 3, 23:32 ET
In a conversation that began “do cds charge any fees besides the early withdrawal penalty”, after the follow-up message, ChatGPT showed an ad from Relay.
Text ad: “High-Yield Business Savings”
Price question · Oct 3, 23:00 ET
In a conversation that began “schwab cd ladder vs a high yield savings at sofi for someone with $80,000 in cash”, after the follow-up message, ChatGPT showed an ad from mybanktracker.com.
Text ad: “Compare the Top CD Rates”
Comparison question · Oct 4, 03:04 ET
In a conversation that began “where to buy brokered cds”, after the follow-up message, ChatGPT showed an ad from Axos Bank.
Text ad: “Earn up to 5.00% APY*.”
Fix or choose question · Oct 3, 23:00 ET
In a conversation that began “I'm 55 and want my ira money in cds for safety while I near retirement, where can I buy ira cds”, after the follow-up message, ChatGPT showed an ad from Bishop Gold Group.
Text ad: “Free Guide: How Self-Directed IRAs Work”
Long scenario question · Oct 3, 23:27 ET
In a conversation that began “how much interest will a $50,000 cd earn over 12 months at 4.25% apy”, after the follow-up message, ChatGPT showed an ad from BestMoney.
Text ad: “Find a High-Yield Account”
Price question · Oct 3, 22:57 ET
In a conversation that began “fidelity brokered cds vs a marcus cd for someone who wants to sell early without a penalty”, after the follow-up message, ChatGPT showed an ad from Robinhood.
Text ad: “High Yield Cash”
Comparison question · Oct 3, 23:11 ET
In a conversation that began “alternatives to cds for retirees who want guaranteed income but more flexibility”, after the follow-up message, ChatGPT showed an ad from Mutual of Omaha Mortgage.
Text ad: “How Much Equity Could You Access?”
Comparison question · Oct 4, 03:24 ET
In a conversation that began “best jumbo cd rates nationwide”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Best CD Accounts”
Best for question · Oct 3, 23:08 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 30 | 20.8% |
| Comparison | 23 | 16.0% |
| Fix or choose | 19 | 13.2% |
| Price | 21 | 14.6% |
| Long scenario | 22 | 15.3% |
| Short search | 14 | 9.7% |
| Worth it | 15 | 10.4% |
More in Personal Finance
Other Personal Finance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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