Unlock Top CD Rates in 2025 – Highest APYs to Secure Your Savings Now

Essential Highlights

• Veridian Credit Union now offers an improved 2-year CD rate at 4.40% APY, securing your earnings for a full 24 months.
• INOVA Federal Credit Union and OMB present the nation’s highest 7-month CD rate at 4.65% APY, ideal for short-term investors.
• For extended rate locks through 2026, Abound and Vibrant Credit Unions provide attractive 4.60% APYs over 10 and 13 months respectively.
• Longer-term CDs, ranging from 3 to 5 years, offer steady returns in the mid-4% APY range, perfect for future financial planning.
• With the Federal Reserve adopting a cautious stance on further rate cuts in 2025, locking in today’s competitive CD rates is a strategic choice amid economic uncertainty.

Discover featured rates from our trusted partners below, along with a comprehensive ranking of the best CDs available across the country.

Guarantee Competitive Rates Through 2026

The premier CD rate remains steady at 4.65% APY for a 7-month term from INOVA Federal Credit Union and OMB, ensuring solid returns until fall. For those seeking longer commitments, Abound Credit Union and Vibrant Credit Union offer 4.60% APY for 10 and 13 months, respectively.

Additional nationwide CDs provide rates of 4.55% or higher with terms up to 13 months. Extend your investment horizon with XCEL Federal Credit Union’s 18-month CD at 4.50% APY, locking in returns through October next year.

Federal Insurance Ensures Your Deposit Safety

All deposits held at FDIC-insured banks or NCUA-insured credit unions are protected up to $250,000 per depositor, per institution, regardless of size. This federal safeguard guarantees your investment is secure even if the institution faces difficulties.

Explore Longer-Term CDs for Extended Rate Security

Veridian Credit Union offers a 24-month CD at 4.40% APY, locking in rates through 2027. Genisys Credit Union leads the 3-year term with 4.32% APY over 30 months.

For those interested in multi-year CDs, Vibrant Credit Union provides a 4.40% APY for 48 months, while Transportation Federal Credit Union offers the same rate for 60 months, securing above 4% returns until 2030.

Given potential Federal Reserve rate reductions in 2025 and beyond, securing a multi-year CD now can protect your earnings from future rate declines.

Current CD Rates Remain Historically Strong

Although CD rates have moderated from their 2023 peak above 6%, today’s top rates around 4.65% APY still represent robust returns compared to pre-2022 levels, when best rates hovered between 0.50% and 1.70% APY.

Jumbo CDs vs. Standard CDs: What to Know

Jumbo CDs require larger deposits and sometimes offer higher rates, but currently, standard CDs often provide better or equal returns. For example, Hughes Federal Credit Union’s 3-year jumbo CD offers 4.34% APY, slightly above the standard 4.32% APY. On 18-month terms, both jumbo and standard CDs pay 4.50% APY.

Always compare both jumbo and standard CD options to maximize your investment benefits.

Outlook for CD Rates in 2025

The Federal Reserve cut rates three times in late 2023 but paused further reductions in early 2024. These moves influence bank and credit union CD rates, which tend to follow the fed funds rate.

While future rate changes remain uncertain, locking in today’s competitive CD rates is advisable to safeguard your savings against potential declines.

Daily Updated Rankings of Top CDs and Savings Accounts

Our daily updates provide the highest yield options across various terms, including 3-month to 5-year CDs, high-yield savings, and money market accounts.

How We Identify the Best CD Rates

We analyze over 200 federally insured banks and credit unions nationwide daily, considering institutions available in at least 40 states. To qualify, CDs must have minimum deposits under $25,000 and no excessive membership donation requirements for credit unions.

Our methodology ensures you receive accurate, up-to-date information on the most lucrative CD rates available.

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