Unlock Top CD Rates Today: Secure Up to 5.00% APY with Flexible Terms

Highlights You Should Know

• Mountain America Credit Union leads the nation with a 5.00% APY on an 18-month CD, locking in your rate until late 2026.
• At least 10 other CDs guarantee rates of 4.60% or higher on terms ranging from 3 to 17 months.
• Every CD term features competitive rates of 4.35% or above, including 2-3 year CDs from Credit Human offering up to 4.45% APY.
• Long-term savers can benefit from Transportation Federal Credit Union’s 4-5 year CDs paying between 4.35% and 4.40%.
• With the Federal Reserve pausing rate hikes and considering cuts, locking in today’s attractive CD rates is a smart financial move.

Below, find exclusive rates from our partners and detailed rankings of the best nationwide CDs.

Lock in 4.50% to 5.00% Rates Through Next Year

Mountain America Credit Union remains the top choice, offering a 5.00% APY guaranteed for 18 months, securing your returns until nearly September 2026. Vibrant Credit Union’s 13-month CD at 4.60% and Marcus by Goldman Sachs’ 14-month CD at 4.50% also provide excellent alternatives.

For shorter commitments, eight CDs offer at least 4.60% APY for as little as 3 months, including Citizens State Bank’s 7-month CD at 4.74%.

All Deposits Are Federally Insured

Whether you choose an FDIC-insured bank or an NCUA-backed credit union, your deposits are protected up to $250,000 per institution and per person, ensuring your investment’s safety regardless of institution size.

Consider Multi-Year CDs for Longer-Term Security

Credit Human offers leading 2- and 3-year CDs with APYs of 4.45% and 4.40%, respectively. For even longer horizons, Transportation Federal Credit Union provides 4-year CDs at 4.35% and 5-year CDs at 4.40%, locking in strong returns through 2030.

Given the likelihood of Federal Reserve rate cuts in 2025 and 2026, securing a high CD rate now guarantees your earnings despite potential future declines in bank interest rates.

Historically High CD Returns Remain Accessible

While CD rates have eased from their peak over 6% in late 2023, today’s top rates near 5% still outperform the low yields seen prior to the Fed’s recent rate hikes. This presents a valuable opportunity for savers seeking reliable income.

Standard CDs Outperform Jumbo CDs Across Terms

Contrary to common assumptions, jumbo CDs requiring larger deposits currently do not offer better rates than standard CDs. Savvy investors should compare both options and consider opening standard CDs with jumbo-sized deposits to maximize returns.

What to Expect for CD Rates in 2025

After three Fed rate cuts totaling a full percentage point since September, the Federal Reserve paused further reductions in January 2025. Inflation remains above expectations, suggesting a cautious approach to future rate changes. Market forecasts indicate a strong likelihood of steady rates in upcoming meetings.

Fed rate decisions directly influence bank and credit union deposit rates, including CDs. With recent cuts already implemented, locking in current high rates is prudent before potential declines.

Daily Updated Rankings of Top CDs and Savings Accounts

We provide the latest rankings on the best CDs and savings accounts nationwide, updated every business day, including:

• 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
• Best High-Yield Savings Accounts
• Best Money Market Accounts

How We Identify the Best CD Rates

Our daily research analyzes rate data from over 200 federally insured banks and credit unions nationwide. To qualify, institutions must have FDIC or NCUA insurance, offer CDs with minimum deposits under $25,000, and be accessible in at least 40 states. Credit unions requiring donations over $40 for membership are excluded to ensure fair access.

Our methodology ensures you receive accurate, competitive rate information to help you make informed investment decisions.

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