Unlock Top CD Rates Today: Best 6-Month APY at 4.65%, Plus Leading Offers Up to 5.00%

Highlights to Know

• The top 6-month CD rate dropped slightly to 4.65% APY, now offered by four leading financial institutions.
• Mountain America Credit Union leads with an 18-month CD at 5.00% APY, locking in high returns through late 2026.
• Skyla Credit Union offers the best 21-month CD rate at 4.50% APY, guaranteeing earnings until December 2026.
• Credit Human tops the 3-year CD category at 4.40% APY, while Transportation Federal Credit Union offers 4.35% to 4.40% APY for 4- and 5-year terms.
• With the Federal Reserve pausing interest rate changes, now is an ideal moment to secure competitive CD rates before potential rate cuts later this year.

Below, find detailed rates from our trusted partners and a comprehensive ranking of the nation’s best CDs.

Lock in 4.50% to 5.00% APY Through December 2026

Yesterday’s 6-month CD rate peak at 4.73% has adjusted down to 4.65%, shared by two banks and two credit unions for terms between 5 and 7 months. Meanwhile, Mountain America Credit Union remains the national leader with its 18-month CD offering 5.00% APY, securing your earnings through September 2026.

For 1-year terms, Abound Credit Union recently introduced a 10-month CD at 4.60% APY, while Vibrant Credit Union matches that rate for 13 months—both locking in rates well into 2026.

Extending your savings horizon, Skyla Credit Union’s 21-month CD at 4.50% APY ensures attractive returns until the end of 2026.

Federal Insurance Guarantees Your Deposits

Whether you choose an FDIC-insured bank or an NCUA-backed credit union, your deposits are federally insured up to $250,000 per institution and per individual. This offers equal and robust protection regardless of institution size.

Consider Longer-Term CDs for Extended Rate Security

Credit Human offers standout options for locking in rates through 2027, including 4.45% APY for 18-23 months and 4.40% APY for 24-35 months. For even longer commitments, Transportation Federal Credit Union provides 4.35% APY for 4 years and 4.40% APY for 5 years, guaranteeing strong returns through 2030.

With anticipated Fed rate reductions in 2025 and 2026, securing today’s rates with long-term CDs is a strategic move to maximize your savings.

CD Rates Remain Historically High Despite Recent Declines

Although CD rates have softened from their October 2023 highs above 6%, current top rates near 5% still far exceed the sub-2% yields common before the Fed’s rate hikes began in 2022. This represents a significant opportunity for savers seeking stable, elevated returns.

Standard CDs Outperform Jumbo CDs Across All Terms

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

What’s Next for CD Rates in 2025?

The Federal Reserve has cut rates by a full percentage point since September 2023 but paused in January, signaling a cautious approach amid inflation concerns. Market expectations favor steady rates in the near term, with potential further cuts later this year. These dynamics make locking in today’s attractive CD rates a wise choice before yields potentially decline.

Daily Updated Rankings of Top CDs and Savings Accounts

We refresh our rankings every business day to present the best nationwide deposit rates:

• 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 Note

These "top rates" reflect the highest nationally available yields identified through extensive daily research, not national averages. The latter often include many large banks with minimal interest rates, whereas shopping around can yield rates five to fifteen times higher.

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 FDIC or NCUA insured, offer CDs with minimum deposits under $25,000, and exclude credit unions requiring donations above $40 for membership. Banks must operate in at least 40 states. This rigorous process ensures you receive the most competitive and accessible CD options available.

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