Top CD Rates in 2025: Secure Up to 5.00% APY with 18-Month Terms – Updated March 28, 2025

Highlights You Should Know

• Currently, savers can choose from 34 CDs offering 4.50% APY or higher, with terms up to 21 months.
• Mountain America Credit Union leads the market with a 5.00% APY guaranteed for 18 months.
• Skyla Credit Union offers a top 2-year CD at 4.50%, while Genisys Credit Union provides a competitive 4.32% APY for 30 months.
• For longer commitments, Vibrant Credit Union and Transportation Federal Credit Union offer 4.40% APY for 4 and 5 years respectively.
• With the Federal Reserve pausing interest rate changes, now is an ideal time to lock in attractive CD rates before potential cuts.

Below, find exclusive rates from our trusted partners and a comprehensive ranking of the best CDs nationwide.

Lock in 4.50% to 5.00% APY Through December 2026

Mountain America Credit Union continues to offer a standout 5.00% APY for an 18-month term, securing your earnings until approximately October 2026.

Other notable offers include a 4.65% APY from three institutions extending rate guarantees into late 2025.

Abound Credit Union recently introduced a 4.60% APY for 10 months, while Vibrant Credit Union matches this rate for 13 months, both locking in returns into next year.

Skyla Credit Union’s 21-month CD at 4.50% APY extends your rate lock until Christmas 2026.

Federal Insurance Protects Your Deposits

All deposits at FDIC-insured banks and NCUA-backed credit unions are federally protected up to $250,000 per person, per institution, ensuring your funds are safe regardless of institution size.

Consider Longer-Term CDs for Extended Rate Guarantees

USAlliance Financial offers a 24-month CD at 4.40% APY, while Genisys Credit Union leads the 3-year term with a 4.32% APY for 30 months.

For those seeking even longer commitments, Vibrant Credit Union and Transportation Federal Credit Union provide 4.40% APY CDs for 4 and 5 years respectively, locking in strong returns through 2030.

Given the Federal Reserve’s potential rate cuts in 2025 and 2026, securing a multi-year CD now can protect your earnings against future declines.

Current CD Rates Remain Historically High

While rates have pulled back from their October 2023 peak above 6%, top CDs still offer impressive yields compared to pre-2022 levels when the best rates ranged between 0.50% and 1.70% APY.

Jumbo CDs vs. Standard CDs: What to Know

Jumbo CDs require larger deposits and sometimes offer premium rates, but currently, their yields are mostly lower than standard CDs except for the 3-year term, where Hughes Federal Credit Union offers 4.34% APY compared to 4.32% for standard CDs.

Always compare both jumbo and standard CD options when shopping and consider using a jumbo deposit on the best standard CD rate to maximize returns.

Outlook for CD Rates in 2025

The Federal Reserve cut rates three times in late 2023 but held steady in early 2025, signaling a cautious approach amid economic uncertainty.

These rate adjustments impact CD yields directly, as banks and credit unions adjust their offerings based on the fed funds rate.

While future rate movements remain uncertain, locking in today’s competitive CD rates now is a savvy strategy to safeguard your earnings.

Daily Updated Rankings for CDs and Savings Accounts

Our daily updates provide the latest top rates across various terms and account types:

• 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" featured here represent the highest nationally available CD rates identified through comprehensive daily research of hundreds of banks and credit unions. These rates far exceed national averages, which include many large institutions offering lower yields.

Our Methodology for Finding Top CD Rates

We analyze rate data daily from over 200 federally insured banks and credit unions nationwide. To qualify, institutions must have FDIC or NCUA insurance, offer CDs with minimum deposits no higher than $25,000, and maximum deposits above $5,000.

Banks included are accessible in at least 40 states. Credit unions requiring donations exceeding $40 for membership are excluded. For full details on our selection criteria, please refer to our methodology documentation.

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