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- Key Takeaways
- Why Earning a High Return on Your Cash is so Important Now
- Today's Best CDs With Rate Guarantees Until 2026 to 2030
- All CDs are insured by the Federal Government
- Top CDs That will Mature in 2026
- Top CDs that will mature in 2027
- Top CDs to Mature in 2028
- Top CDs That Will Mature in 2029–2030
- Our full Rankings for Each CD Term
- Can't Commit That Long? Your Next-Best Option
- How we find the best CD rates and savings
Key Takeaways
- A large cash reserve is particularly appealing at this time, as tariffs are causing economic uncertainty.
- But it’s important to earn a solid return on your money—especially given today’s inflation forecast.
- The Fed is expected to cut interest rates this year, so socking some savings away in a top nationwide CD is a smart move—since it lets you lock in one of today’s great returns for months or years down the road.
- Below we lay out more than 30 excellent CD rates that are guaranteed until 2026, 2027, or beyond—with returns up to 4.60%.
The full article can be found below these offers.
Why Earning a High Return on Your Cash is so Important Now
When you have money in the bank, you should always make sure that you are earning a competitive interest rate. It’s even more important to do this when inflation is high. Your money will lose its purchasing power if you earn less than the inflation rate.
Many economists and financial analysts expect the April inflation rate to be higher due to President Trump’s evolving trade policy. Among the wary are various Federal Reserve officials, who have commented that they are bracing for higher inflation—with one committee member predicting inflation will shoot “well above 3%” in 2025, in an interview with Yahoo Finance.
This increases the importance of earning high returns on your savings. Fortunately, the best high yield savings accounts and certificates (CDs), which are available today, pay historically high interest rates of around 4%. While savings accounts are flexible, it’s a good idea to put some of your money into a CD now rather than relying solely on savings or money market accounts.
That's because a CD's rate is yours to keep for the full duration of the certificate. In contrast, savings and money market rates can drop at any time—and can continue falling if U.S. interest rates are on a prolonged downswing.
The rest of the year 2025 could see a similar trend. The federal funds rate currently sits at 4.25%–4.50%. This benchmark rate heavily influences what banks and credit-unions are willing pay for deposits. Though financial markets are dealing with a great deal of uncertainty now in the wake of brewing trade wars, interest rate traders are currently pricing in majority odds that we’ll see Fed rate cuts totalling a full percentage point—or even more—by the end of this year.
If that happens, the rate you'll be able to earn with the best high-yield savings accounts and top-paying CDs is likely to drop to 3% territory vs. the mid-4% returns you can earn today.
By opening a CD today, you can ensure that you will earn the stellar returns of today for months or even years to come. And the longer you can commit, the longer you’ll enjoy that CD rate guarantee—no matter what happens with tariffs, inflation, or the Fed.
Today's Best CDs With Rate Guarantees Until 2026 to 2030
Our daily ranking of CD rates provides you with the highest offers available in the country. The best CD rates are currently available on shorter term CDs. But to extend your guarantee further into the future, you can consider certificates that offer a rate promise into 2026, 2027, or even as long as 2029–2030. Check out our tables to see the highest-paying certificates for each of these time frames.
All CDs are insured by the Federal Government
All the CDs below are available across the country, even if provided by a Credit Union. And all are federally insured—covered by the Federal Deposit Insurance Corporation (FDIC) for banks or the National Credit Union Administration (NCUA) for credit unions. In the unlikely event of the institution failing, your deposits are protected up to $250,000
Top CDs That will Mature in 2026
| Bank or Credit Union | APY | Term (Months). | Minimum |
|---|---|---|---|
| Abound Credit Union | 4.60% | 10 | $500 |
| Brilliant Bank | 4.55% | 9 | $1,000 |
| T Bank | 4.50% | 12 | $500 |
| Vibrant Credit Union | 4.50% | 13 | $5 |
| Elements Financial | 4.50% | 13 | $1,000 |
| XCEL Federal Credit Union | 4.50% | 18 | $500 |
| Financial Resources Federal Credit Union | 4.49% | 13 | $500 |
| Pacific National Bank | 4.45% | 9 | $1,000 |
Top CDs that will mature in 2027
| Bank or Credit Union | APY | Term (Months). | Minimum |
|---|---|---|---|
| Veridian Credit Union | 4.40% | 24 | $500 |
| Genisys Credit Union | 4.32% | 30 | $500 |
| Lafayette Federal Credit Union | 4.28% | 24 | $500 |
| Skyla Credit Union | 4.25% | 21 | $500 |
| Bank5 Connect | 4.25% | 24 | $500 |
| Genisys Credit Union | 4.22% | 25 | $500 |
| XCEL Federal Credit Union | 4.20% | 24 | $500 |
| KS State Bank | 4.20% | 24 | $500 |
| USAlliance Financial | 4.20% | 24 | $500 |
| Newtek Bank | 4.20% | 24 | $2,500 |
Top CDs to Mature in 2028
| Bank or Credit Union | APY | Term (months). | Minimum |
|---|---|---|---|
| Lafayette Federal Credit Union | 4.28% | 36 | $500 |
| Mountain America Credit Union | 4.25% | 36 | $500 |
| KS State Bank | 4.15% | 36 | $500 |
| Credit Human | 4.05% | 36–59 | $500 |
| NASA Federal Credit Union | 4.05% | 36 | $1,000 |
| Many offers are available | 4.00% | 36 | Various |
Top CDs That Will Mature in 2029–2030
| Bank or Credit Union | APY | Term (Months). | Minimum |
|---|---|---|---|
| Lafayette Federal Credit Union | 4.28% | 48 or 60 | $500 |
| Mountain America Credit Union | 4.25% | 48 or 60 | $500 |
| Heartland Credit Union | 4.25% | 60 | $500 |
| Vibrant Credit Union | 4.20% | 48 | $5 |
| KS State Bank | 4.15% | 48 or 60 | $500 |
| Synchrony Bank | 4.15% | 60 | Any amount |
| Credit Human | 4.15% | 60–83 | $500 |
| NASA Federal Credit Union | 4.14% | 49 | $10,000 |
Our full Rankings for Each CD Term
Visit our daily rankings for more information on any of the CDs listed above, including early withdraw penalties and information about institutions.
- Best 3-Month Rates
- Best 6-Month CD rates
- Best 1-Year CD rates
- Best CD Rates for 18-Months
- Best 2-Year CD rates
- Best 3-Year CD rates
- Best 4-year CD Rates
- Best 5-Year Rates on CDs
Can't Commit That Long? Your Next-Best Option
If you're not able or willing to lock up any savings for a year or more, you can still benefit from today's historically high rates. If you have a short-term CD that suits your needs, this is a great way to save money.
- Today’s Best Rates on 3-Month CDs: Rates as high as 4.50%
- Best 6-Month Rates Today: Rates Up to 4.60%
Consider a high-yielding savings account if you have money that you need to be able to access at any time and cannot commit to a CD. Our daily ranking of best savings account rates reaches 5.00% APY at the moment, with a dozen other offers paying 4.40% and more.
How we find the best CD rates and savings
Investopedia ranks the best-paying savings and CD accounts every day. It tracks rate data from more than 200 credit unions and banks that offer these accounts nationwide. To be included in our lists, the institution has to be federally insured. (FDIC or NCUA for credit Unions) The account’s initial deposit must also not exceed $25,000
Banks are required to be available in 40 states. Some credit unions may require you to donate to an association or charity to become a part of their organization if you do not meet other criteria (e.g. you do not live in a particular area or have a specific job). We exclude credit unions that require a donation of $40 or more. To learn more about our methodology, please read the full article.
Article Sources Investopedia requires that writers use primary sources in order to support their work. White papers, government statistics, original reporting and interviews with industry professionals are all examples. We also use original research from other reputable publications when appropriate. Our website contains more information about the standards that we use to produce accurate, unbiased content. Editorial Policy
Yahoo Finance "Boston Fed Pres. expects inflation 'well over 3%' on Trump's tariffs."
CME Group. "CME FedWatch."
