Grab one of these 34 offers that guarantee 4.50% or more today, March 25, 2025.

Takeaways

• CD shoppers can lock in 4.50% or even more on terms from 3 to 21 month.
• Mountain America Credit Union still offers the nation’s leading 5.00% CD, with a guarantee of 18 months.
• Skyla Credit Union’s top 2-year guarantee offers 4.50% for 30 months, while Genisys Credit Union’s leading 3-year guarantee provides 4.32%.
• Want to lock your rate for longer? Consider a rate of 4.40% from Vibrant Credit Union or Transportation Federal Credit Union, both for 4 years.
• The Fed kept interest rates unchanged at its meeting last weekend and has adopted a wait-and-see approach for future reductions. In an uncertain economic climate, it is smart to grab one of the best CD rates today while you still have the chance.

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% – 5.00% that you can guarantee as long as September 2026

Mountain America Credit Union offers a 18-month certificate that guarantees a 5.00% annual percentage yield. This CD would lock your rate in until fall 2026.

The rate that comes in second place is 4.65% APY. Three competing offers extend their rate guarantee into 2025.

Abound Credit Union announced recently a 4.60% return on a longer 1-year term with a rate guarantee of 10 months. Vibrant Credit Union offers the same APY over a period of 13 months. Both of these will lock in your rate through 2026.

Skyla Credit Union offers a 21-month 4.50% offer that extends into the next year. This will lock in your return up until Christmas 2026.

All Institutions Insured by the Federal Government Are Equally Safe

You’re protected 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 multi-year CDs to lock in your rate further into the future

Skyla Credit Union is offering 4.50% on a CD with a 21-month term that will guarantee you a return until 2027. Genisys Credit Union, which offers 4.32% over 30 months, is the leader in rates for the 3-year term.

Anyone looking for a longer rate lock received some good news in the first week of this month. The top 4-year CD was raised from 4.35% – 4.40%. Vibrant Credit Union offers this new rate. Meanwhile, Transportation Federal Credit Union is also offering 4.40% APY, but on a slightly longer 5-year certificate—ensuring you’ll earn well above 4% all the way until 2030.

Given the possibility of Fed rate reductions in 2025 and 2020, it is probably a good idea to invest in long-term CDs. The central bank has already lowered the federal fund rate by one percentage point. This year, there could be further cuts. The Fed’s interest rate reductions will lower bank APYs, but a CD rate that you secure today will remain yours until it matures.

Today's Best CDs Still Pay Historically High Returns

It's true that CD rates are no longer at their peak. Despite the drop in CD rates, the best CDs continue to offer a high return. The best CD rates in October 2023 were above 6%. However, the leading rate has dropped to 5%. Compare this to early 2022 before the Federal Reserve began its rapid rate-hike campaign. The best CDs offered a range of 0.50% – 1.70% APY depending on the term.

Jumbo CDs top regular CDs over a 3-year period

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, all but one of the terms we track, the best jumbo CD rate is lower than the best standard CD rate. Hughes Federal Credit Union offers a 4.34% jumbo rate for the 3-year term compared to 4.32% standard rate. When CD shopping, it is smart to check both types. If your preferred deposit amount corresponds to a standard CD, open the CD 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. In both January and march, central bankers refused to lower the benchmark interest rate further.

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 changes are important for savers because they reduce the rates that banks and credit unions will pay consumers to deposit their money. 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. Now is a good time to lock in a rate that fits your financial timeline.

Daily Rankings of Best CDs and Savings accounts

We update this ranking every day of the week to provide you with the best rates for deposits.

Best 3-Month Rates

Best 6-Month Cd Rates

Best 1-Year Cd Rates

Best CD Rates for 18-Months

Best 2-Year Rates on CDs

Best 3-Year Rates on CDs

Best 4-Year CD rates

Best 5-Year CD rates

Best High-Yielding Savings Accounts

Best Money Market Accounts

It is important to note that

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 pittances of interest. The national averages are usually quite low while the best rates are often five, ten, or even fifteen times higher.

How we 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 must be located in at least forty states. While some credit unions ask you to donate money to a charity or organization to become a membership if you don’t meet the other eligibility criteria, (e.g. if you live in a specific area or have a particular job), we exclude those credit unions that require a minimum donation of $40. To learn more about our methodology, please read the full article.

Article Sources Investopedia asks writers to use primary resources to support their writing. These include whitepapers, government data, original reports, and interviews with experts in the industry. 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

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."