Best CDs in 2025: 1-Year CDs Now at 4.60% APY – Rates & Terms Updated Jan 30

Summary of Key Points

• The highest nationwide 1-year CD rate rose to 4.60% APY from 4.55%, offered by Vibrant Credit Union.
• Nuvision Credit Union continues to offer an 8-month CD at 5.50% APY, valid through January 31, 2025, for deposits up to $5,000.
• Several CDs with terms between 12 and 18 months offer competitive rates from 4.50% to 4.60%, locking in returns into 2026.
• Top multi-year CD rates range from 4.35% to 4.45%, with leaders including Credit Human, Merrick Bank, and Transportation Federal Credit Union.
• Despite the Federal Reserve holding rates steady this week, potential rate cuts in 2025 make locking in high CD rates now a smart strategy.

Below are featured CD rates from our partners, followed by a comprehensive ranking of the best CDs available nationwide.

1-Year CD Rates Climb to 4.60% APY

After three rate cuts in 2024, the Federal Reserve paused its benchmark rate this January. While CD rates have generally trended downward, today's increase in the 1-year CD rate to 4.60% APY from Vibrant Credit Union brings positive news for savers seeking mid-term options.

Nuvision Credit Union remains the market leader for shorter terms, offering an 8-month CD at 5.50% APY, but this promotional rate expires January 31, 2025. Deposits on this CD are capped at $5,000, so act quickly if interested.

For larger deposits or slightly longer terms, 14 other CDs pay 4.60% or better on terms ranging from 3 to 8 months. Additionally, Credit Human leads the 18-month term with a 4.55% APY and flexible terms from 12 to 17 months.

Mid- to Long-Term CDs Offer Stability Through 2027

For those looking to secure rates further into the future, 2- and 3-year CDs offer top APYs of 4.45% and 4.40%, respectively, with Credit Human and Merrick Bank leading these terms. Transportation Federal Credit Union provides competitive 4- and 5-year CDs at 4.35% and 4.40% APY.

Given the likelihood of additional Federal Reserve rate cuts in 2025, locking in multi-year CD rates now can protect your earnings from future declines.

CD Rates Remain Historically Attractive

Although CD rates have decreased from their October 2023 peak above 6%, current top rates like the 5.50% APY on an 8-month CD still significantly outperform pre-2022 levels, when rates ranged between 0.50% and 1.70% APY.

Standard CDs Outperform Jumbo CDs Across All Terms

Contrary to expectations, jumbo CDs requiring larger deposits currently offer lower rates than standard CDs across all terms. Savers should compare both options and consider opening a standard CD with a jumbo-sized deposit to maximize returns.

Outlook for CD Rates in 2025

The Federal Reserve's recent pause follows three rate cuts in 2024, marking a shift from aggressive hikes aimed at curbing inflation. Inflation cooling suggests a gradual rate reduction trend may continue in 2025, with futures markets pricing in a 60% chance of at least two cuts this year.

Lower federal funds rates typically lead to declining CD and savings account yields. Therefore, locking in current high CD rates is advisable before further decreases occur.

Economic policies and new administration initiatives may influence the Fed's path, but with three cuts already implemented, today's CD rates likely represent some of the best opportunities for savers this year.

Daily Updated Rankings of Best CDs and Savings Accounts

We update our rankings daily to present the highest deposit rates nationwide:

• Top 3-Month CD Rates
• Top 6-Month CD Rates
• Top 1-Year CD Rates
• Top 18-Month CD Rates
• Top 2-Year CD Rates
• Top 3-Year CD Rates
• Top 4-Year CD Rates
• Top 5-Year CD Rates
• Top High-Yield Savings Accounts
• Top Money Market Accounts

Important Notes

The "top rates" cited represent the highest nationally available offers from federally insured banks and credit unions, not the national average, which is typically much lower due to inclusion of many large banks with minimal rates.

Our Methodology for Selecting the Best CD Rates

Each business day, we analyze rate data from over 200 federally insured banks and credit unions nationwide. To qualify, institutions must be available in at least 40 states, and CDs must have minimum deposits under $25,000 and maximum deposits above $5,000.

Credit unions requiring donations over $40 for membership are excluded. For more details, please review our full methodology.

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