Unlock Top CD Rates Now: Secure 4.60%+ Returns with Leading Offers

Essential Highlights

• MutualOne Bank leads with a standout 3-month CD rate at 4.80%, the highest nationwide.
• Ten more competitive offers guarantee APYs of 4.60% or above, including Vibrant Credit Union’s top 1-year rate of 4.60%.
• Every CD term features leading rates exceeding 4.30%, with Transportation Federal Credit Union offering a 5-year CD at 4.40%, securing your earnings through 2030.
• Multi-year CDs range between 4.35% and 4.45%, with Credit Human and Transportation Federal Credit Union leading the 2-5 year terms.
• Despite the Fed’s rate pause as of January 29, 2025, potential rate cuts later this year suggest locking in today’s top CD rates is a smart financial move.

Below, find exclusive partner rates and a comprehensive ranking of the best CDs available nationwide.

Highest Overall CD Rate at 4.80%

After Nuvision Credit Union’s popular 8-month 5.50% CD expired on January 31, 2025, the top CD rate now stands at 4.80% through MutualOne Bank for a 3-month term. Abound Credit Union offers a leading 8-month CD at 4.75%, while Vibrant Credit Union provides the best 1-year CD rate at 4.60%, allowing investors to secure returns well into 2026. Credit Human also offers a competitive 4.55% APY for flexible 12 to 17-month terms.

Why Consider Multi-Year CDs?

Lock in your returns for the long haul with 2- and 3-year CDs yielding up to 4.45% and 4.40% respectively, both from Credit Human. For those seeking even longer commitments, Transportation Federal Credit Union offers 4-year CDs at 4.35% and 5-year CDs at 4.40%. With the Federal Reserve’s potential rate cuts on the horizon, securing a multi-year CD now could protect your earnings against future declines.

Historic High Returns Still Within Reach

Though CD rates have pulled back from their October 2023 peak of over 6%, today’s best offerings remain historically attractive. Prior to the Fed’s aggressive rate hikes starting in 2022, top CD rates ranged between 0.50% and 1.70% APY, making current rates a significant opportunity for savers.

Standard CDs Outperform Jumbo CDs

Despite jumbo CDs often requiring larger deposits, their rates currently trail behind standard CDs in every term. Savvy investors should compare both options and consider opening a standard CD with a jumbo-sized deposit to maximize returns.

What’s Next for CD Rates in 2025?

Following three rate cuts in 2024, the Fed paused rate changes in early 2025. Economic forecasts suggest gradual further reductions, which typically lower bank APYs. Consequently, locking in today’s competitive CD rates is advisable before potential declines. New economic policies may influence the Fed’s direction, but current rates represent some of the most favorable conditions in recent years.

Daily Updated Rankings of Top CDs and Savings Accounts

We refresh our rankings every business day to present the highest yielding deposit options nationwide, including:

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

Important Note

The "top rates" highlighted represent the highest available nationwide, not the national average, which is often significantly lower due to inclusion of many low-yield large banks. Shopping around can yield rates 5 to 15 times higher than averages.

Our Methodology for Finding Best CD Rates

Each business day, we analyze rates from over 200 federally insured banks and credit unions offering CDs nationwide. Eligible institutions must have minimum deposits under $25,000 and be accessible in at least 40 states. Credit unions requiring donations over $40 for membership are excluded. For full details, see our methodology page.

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