Explore 14 Exciting CD Offers with Rates Starting at 4.60% – Your Guide to Top Certificates in 2025

Highlights You Should Know

• Top CD rates remain steady across all terms, featuring 14 offers with guaranteed APYs of at least 4.60%.
• Don’t miss the limited-time 5.50% APY from Nuvision Credit Union on an 8-month CD, available until January 31, for deposits up to $5,000.
• Choose from seven CDs offering 4.50% to 4.55% APYs with terms ranging from 12 to 18 months, locking in your earnings well into 2026.
• Credit Human and Merrick Bank lead the 2-year CD market with a 4.45% APY, while Credit Human offers the top 3-year rate at 4.40%.
• For longer commitments, Transportation Federal Credit Union offers competitive rates of 4.35% for 4 years and 4.40% for 5 years.
• Following the Federal Reserve’s December rate cut, many financial institutions have adjusted rates downward in 2025—securing your rate now is a smart move.

Below, explore featured partner rates and a comprehensive ranking of the nation’s best CDs available today.

Nation’s Best CD Offer: 5.50% APY Through Late January

With the Federal Reserve implementing three rate cuts totaling a full percentage point since September, the highest CD yields have softened. Notably, Nuvision Credit Union’s 5.50% APY 8-month CD, initially set to expire December 31, has been extended to January 31, maintaining its $5,000 deposit cap.

Meanwhile, Credit Human’s 1-year CD offers a solid 4.55% APY locked in through next January, alongside six other CDs paying 4.50% for terms up to 18 months.

Lock in Multi-Year CDs for Long-Term Stability

Looking to secure your returns through 2027? The top 2-year CDs from Credit Human and Merrick Bank pay 4.45%, while Credit Human’s 3-year CD offers 4.40%. For even longer terms, Transportation Federal Credit Union leads with 4.35% for 4 years and 4.40% for 5 years.

Given the likelihood of further Fed rate reductions in 2025, locking in a longer-term CD now can protect your earnings from future declines.

Exceptional Returns Despite Recent Rate Adjustments

Though CD rates have dipped from their October 2023 highs above 6%, today’s top offerings still deliver impressive returns. Prior to the Fed’s aggressive rate hikes, top CDs yielded between 0.50% and 1.70% APY, illustrating how favorable current rates remain.

Jumbo CDs: Large Deposits, Limited Rate Advantage

While jumbo CDs require larger deposits, they seldom outperform standard CDs. Currently, only the 1-year jumbo CD from My eBank matches the 4.55% APY of Credit Human’s standard 1-year CD. Other jumbo terms generally offer lower rates than their standard counterparts.

What’s Next for CD Rates in 2025?

The Federal Reserve’s recent trio of rate cuts signals a shift away from the aggressive hikes of 2022 and early 2023. With inflation easing, further reductions—potentially totaling another 0.50 percentage points in 2025 and 2026—are anticipated.

These cuts typically lead banks and credit unions to lower deposit rates, suggesting a gradual decline in CD yields over the next couple of years. Consequently, locking in today’s rates could be advantageous.

Daily Updated Rankings of Top CDs and Savings Products

We refresh these rankings every business day to ensure you access the best available rates nationwide:

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

Important Notes

The “top rates” highlighted here represent the highest APYs identified nationwide through daily research of hundreds of banks and credit unions—not the national average, which includes many institutions with significantly lower yields. By shopping around, you can find rates 5 to 15 times higher than average offerings.

How We Identify the Best CD Rates

Every business day, our team analyzes rate data from over 200 federally insured banks and credit unions, ranking the highest-paying CDs across all major terms. To qualify, institutions must be FDIC- or NCUA-insured, offer CDs with minimum deposits no greater than $25,000, and have maximum deposit limits of at least $5,000.

Eligible banks must operate in at least 40 states. Credit unions requiring donations exceeding $40 for membership are excluded to ensure accessibility. For a detailed explanation of our methodology, please refer to our full guidelines.

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