Top CD rates Today, April 3rd, 2025 – Dozen offers paying 4.55% or better (while they last)

Takeaways

• Three different institutions offer the nation’s best CD rate of 4.65%. Terms range from 5 to seven months.
• There are eight other options for CD buyers to lock in a rate that is at least 4.55%.
• For a rate guaranteed to 2026, both Abound Credit Union and Vibrant Credit Union pay 4.60%—for 10 months or 13 months, respectively.
• The leading 2-year rate in the country is currently 4.30%, available from University Federal Credit Union, while rates as high as 4.32% to 4.40% are on offer for terms of 3–5 years.
• The Fed is “waiting and seeing” about rate cuts in 2025 after holding rates steady in March. In today’s uncertain economic climate, it is smart to grab one of the best CD rates available today.

Below you'll find featured rates available from our partners, followed by details from our ranking of the best CDs available nationwide.

Rates from 4.50% to 4.65% You can Guarantee as long as 2026

The nation's leading CD rate held its ground today at 4.65%, and you have your choice of three offers for that APY. You can secure this guaranteed return until the fall with terms from 5 to 7.

If you wish to extend your rate-lock until 2026, there are two top CDs that pay 4.60%. Abound Credit Union offers this rate for a duration of 10 months, while Vibrant Credit Union matches it for a period of 13 months.

Nearly 30 certificates in the United States pay at least 4.5%, and the longest term of these certificates is 18 months. This offer, from XCEL Federal Credit Union will guarantee your rate through October of next.

All Institutions Insured by the Federal Government Are Equally Safe

Your deposits are insured by the federal government if the institution fails. Not only that, but the coverage is identical—deposits are insured up to $250,000 per person and per institution—no matter the size of the bank or credit union.

Consider CDs with a longer term to lock in your rate for the future

University Federal Credit Union pays 4.30% for a rate lock that you can enjoy until 2027. Genisys Credit Union is the leader in the 3-year rate, offering 4.32% APY for 30 months.

Customers who are looking for a longer warranty may prefer the top 4-year or 5-year certificate. Vibrant Credit Union is paying 4.40% APY for 48 months, while Transportation Federal Credit Union promises that same rate for 60 months—ensuring you’d earn well above 4% all the way until 2030.

Given the possibility that the Fed could cut rates in 2025, or even 2026, it is probably a good idea to buy multiyear CDs right now. The central bank has already lowered the federal fund rate by one percentage point. This year, there could be further cuts. Bank APYs will fall if the Fed lowers interest rates, but you can enjoy a CD rate until it matures.

Today's Best CDs Still Pay Historically High Returns

It's true that CD rates are no longer at their peak. The best CDs offer a fantastic return despite this pullback. The best CD rates in October 2023 were above 6%. However, the current leading rate is only 4.65%. Compare that with early 2022, when the Federal Reserve started its campaign of rate hikes. The highest interest rate you could earn on the best CDs was 0.70% APY.

Jumbo CDs surpass regular CDs by two terms

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact the best jumbo CDs rates are lower or the exact same as the standard CD rates for all but two terms that we track. Lafayette Federal Credit Union’s 2-year CD pays 4.33%, compared with the standard CD rate leader of 4.30%. Hughes Federal Credit Union, on the other hand, offers 4.34% in a 3-year CD, compared with 4.32%.

When CD shopping, it is wise to check out both types of offers. If the standard CD is your best deal, open it with a large deposit.

Where will CD rates be heading in 2025

In December, Federal Reserve announced the third rate reduction to the federal fund rate in as few meetings. This is a full percentile point decrease since September. But in January and march, the central bankers refused to make any further cuts to the benchmark interest rate.

The Fed’s three 2024 rate cuts represented a pivot from the central bank’s historic 2022–2023 rate-hike campaign, in which the committee aggressively raised interest rates to combat decades-high inflation. At its 2023 peak, the federal funds rate climbed to its highest level since 2001—and remained there for nearly 14 months.

Fed rate movements are significant for savers as they lower the rates that credit unions and banks are willing to pay to consumers for their deposits. The fed funds rate is reflected in both CD rates and savings accounts.

Time will tell what exactly will happen to the federal funds rate in 2025 and 2026—and economic policies from the new Trump administration have the potential to alter the Fed's course. But with three Fed rate cuts already in the books, today's CD rates could be the best you'll see for some time—making now a smart time to lock in the best rate that suits your personal timeline.

Rankings of the best CDs and savings accounts every day

These rankings are updated every business day so that you can get the best possible deposit rates.

• Best 3-Month CD rates
• Best 6-Month Cd Rates
• Best 1-Year CD rates
• Best CD Rates 18-Months
• Best 2-Year Rates on CDs
• Best 3-Year CD rates
• Best 4-Year Rates
• Best 5-Year CD rates
• Best High-Yielding Savings Accounts
• Best Money Market Accounts

You can also read about the importance of this in

Note that the "top rates" quoted here are the highest nationally available rates Investopedia has identified in its daily rate research on hundreds of banks and credit unions. This is different from the national average that includes all banks that offer a CD in that term. Many large banks pay a pittance of interest. The national averages are usually quite low while the best rates are often five, ten, or even fifteen times higher.

How to Find the Best CD Rates

Investopedia monitors the rates of more than 200 banks, credit unions and other institutions that offer CDs in the United States and determines the daily rankings of the highest-paying certificates for each major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), the CD’s minimum initial deposit must not exceed $25,000, and any specified maximum deposit cannot be under $5,000.

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 certain type of 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 data and original reporting are some of the sources. Where appropriate, we also reference original research by other reputable publishers. Learn more about our standards for producing accurate and unbiased content by visiting our Editorial Policy

1. Federal Reserve Board. "Open Market Operations."

2. Federal Reserve Board. "Federal Reserve Issues FOMC Statement, Jan. 29, 2025."

3. Federal Reserve Board. "Federal Reserve Issues FOMC Statement, March 19, 2025."