Discover Today's Highest Yielding CDs with Rates Above 4.75% - Your 2025 Guide

Essential Insights for Savvy CD Investors

• Most top CD rates remain stable across various terms, but the number of offers guaranteeing 4.75% or more has narrowed to just two.
• Nuvision Credit Union leads nationally with an 8-month CD offering a 5.50% APY, though deposits are capped at $5,000.
• Multiple CDs provide rates between 4.50% and 4.55% for terms ranging from 12 to 18 months, securing returns well into 2026.
• Credit Human offers the highest rates for 2- and 3-year CDs at 4.40% to 4.45%, while Transportation Federal Credit Union leads with 4.35% for 4 years and 4.40% for 5 years.
• Following recent Federal Reserve rate cuts, many institutions have lowered rates in 2025, making it crucial to lock in favorable CD rates promptly.

Nuvision Credit Union's Unmatched 5.50% APY – Limited Time Offer

Despite the Federal Reserve's three rate reductions totaling a full percentage point since September, Nuvision Credit Union has reinstated its popular 8-month CD at a 5.50% APY, valid through January 31, 2025. This exclusive promotion allows deposits up to $5,000, offering a rare opportunity to secure a high yield.

For longer terms, Credit Human's 1-year CD guarantees 4.55% APY until January 2026, with several other certificates offering 4.50% APY for up to 18 months.

Lock in Multi-Year CDs to Maximize Future Earnings

To safeguard your returns amid potential further Fed rate cuts, consider 2- to 5-year CDs. Credit Human leads with 4.45% and 4.40% APYs for 2- and 3-year terms, respectively. Transportation Federal Credit Union offers competitive long-term rates at 4.35% for 4 years and 4.40% for 5 years, allowing investors to lock in attractive yields until 2027 and beyond.

With the Federal Reserve signaling possible additional rate decreases in 2025 and 2026, securing a fixed-rate CD now ensures stable earnings despite future market fluctuations.

Historical Perspective: High Returns Compared to Pre-2022 Levels

While CD rates have eased from their October 2023 peak above 6%, current top rates near 5.50% remain historically strong. Before the Federal Reserve's aggressive rate hikes began in 2022, the best CDs offered APYs between 0.50% and 1.70%, underscoring today’s favorable savings environment.

Jumbo CDs: Higher Minimums, Limited Rate Advantages

Although jumbo CDs require larger deposits, they only outperform standard CDs in select terms. For instance, Tampa Bay Federal Credit Union offers a superior 4.75% APY on a 1-year jumbo CD compared to 4.55% for regular CDs. However, in most other terms, jumbo rates lag behind standard offerings.

What’s Ahead for CD Rates in 2025?

The Federal Reserve has cut the federal funds rate three times since late 2023, totaling a 1% reduction, with forecasts suggesting further cuts in 2025 and 2026. These moves typically drive down bank and credit union interest rates on deposits, indicating a gradual decline in CD rates over the next two years. Consequently, locking in current high rates is a prudent strategy for savers.

Daily Updated Rankings of Best CDs and Savings Accounts

Stay informed with daily updates on top CD rates across various terms and high-yield savings options to maximize your returns:

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

Important Considerations

The highest rates presented represent the top nationally available offers identified through extensive daily research of hundreds of federally insured banks and credit unions. These rates are significantly higher than national averages, which include many institutions offering minimal interest.

Our Methodology for Identifying Top CD Rates

We analyze data from over 200 federally insured banks and credit unions nationwide, focusing on institutions with broad availability and reasonable deposit requirements. CDs must have minimum deposits not exceeding $25,000 and maximum deposits no less than $5,000 to qualify. Credit unions requiring high donation fees for membership are excluded to ensure accessibility. For detailed methodology, please refer to our full disclosure.

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