Top CDs Today – Grab a Rate between 4.60% and 5.00% While you Still Can

Key Takeaways

• CD buyers have eight chances to lock in 4.60% and more on terms from 5 to 18 month.
• Mountain America Credit Union offers the nation’s leading rate of 5.00% Annual Percentage Yield (APY), which is available with a 18-month guarantee.
• Skyla Credit Union’s top 2-year offer is 4.50%. Genisys Credit Union offers 4.32% on a 3-year deal.
• Want to lock in a rate even longer? Consider a 4.40% interest rate from Vibrant Credit Union over 4 years, or Transportation Federal Credit Union over 5 years.
• The Fed maintained interest rates at its last meeting, adopting an “wait-and see” approach to future cuts. In an uncertain economy, you should grab the best CD rates available today while you can.

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 5.00% that you can guarantee as long as December 2026

Mountain America Credit Union offers a 18-month certificate that guarantees a 5.00% annual percentage yield. Open this CD now to lock in your rate for almost October 2026.

The next-best rate, 4.65% APY is available from three competing offers which extend their rate promises 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 ensure your rate until next year.

Skyla Credit Union extends its offer to 21 months at 4.50%. Your return would be locked in until Christmas 2026.

All Institutions Federally Insured Are Equally Protection

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 CDs with a longer term to lock in your rate for a future date.

USAlliance Financial pays 4.40% for 24 months on a CD that guarantees a return through 2027. Genisys Credit Union offers 4.32% over a three-year term.

Anyone looking for a longer rate lock received some good news in the first week of this month. The leading 4-year CD rate was raised from 4.35% up to 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, multi-year CDs may be a smart investment 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. Despite the drop in CD rates, the best CDs continue to offer a high return. In October 2023, the best CD rates surpassed 6%. The leading rate is now at 5%. Compare this to early 2022 before the Federal Reserve began its rapid rate-hike campaign. The highest interest rate you could earn on the best CDs was 0.70% APY.

Jumbo CDs Outsell Regular CDs Over a Three-Year Period

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, for 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’s 3-year jumbo CD rate is 4.34%, compared to the highest standard CD rate of 4.32%.

It is therefore wise to check both types when shopping for CDs. If the standard CD is your best deal, open it with a large deposit.

Where will CD rates be heading in 2025

In December, the Federal Reserve announced its third rate cut in as many meetings. It was a reduction of a full percentage since September. In January and March, however, the central banks declined to further reduce the benchmark 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 changes are important for savers because they reduce the rates that banks and credit unions will pay for 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. Now is a good time to lock in a rate that fits your financial timeline.

Daily Rankings for the Best CDs & Savings Accounts

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 for 18-Months

Best 2-Year Rates on CDs

Best 3-Year Rates on CD

Best 4-Year Rates

Best 5-Year Rates on CDs

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 a pittance of interest. The national averages will always be low, but the rates you can find by shopping around could be five, 10 or even 15 times more.

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. 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. Read our methodology to learn more about how we select the best rates.

Article Sources Investopedia requires that writers use primary sources in order to support their work. These include whitepapers, government data, original reports, and interviews with experts in the industry. 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."