Top CDs Today, 28 March 2025 – National leader guarantees 5.00% rate through September of next year

Key Takeaways

• CD buyers have 34 chances to lock in 4.50% and more on terms of up to 21 months.
• 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 kept interest rates unchanged at its meeting last weekend, adopting 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 ranging from 4.50% to 5.00% that you can guarantee as long as December 2026

Mountain America Credit Union continues to offer a 5.00% annual percentage yield for the next 18 months. This CD will lock in the rate until October 2026.

The next best rate is 4.65% APR, which is offered by three competing offers that promise to extend their rate 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 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 guarantee your rate in the future

USAlliance Financial offers 4.40% APY on a rate lock that extends to 2027. Genisys Credit Union is the leader for a 3-year term with 4.32% APY over 30 months.

Vibrant Credit Union offers a 4-year CD with 4.40% APY. 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 banks has already reduced the federal funds rate a full percentage points, and there may be more cuts this year. 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. But despite this pullback, CDs offer a fantastic 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 top regular CDs over a 3-year period

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact the best jumbo CDs rates are lower than the standard CD rates for all terms except one. Hughes Federal Credit Union’s 3-year jumbo CD rate is 4.34%, compared to the highest standard CD rate of 4.32%.

When CD shopping, it is wise to always compare both types of offers. If the standard CD is your best deal, open it with a jumbo 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 consumers to deposit their money. CD rates and saving account rates are affected by changes in the fed funds rates.

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. It’s a great time to lock-in the best rate for your financial goals.

Rankings of the best CDs and savings accounts every day

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

• Best 3-Month CD rates
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• Best 18-Month CD rates
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• Best 3-Year Rates on CD
• Best 4-Year CD rates
• Best 5-Year CD rates
• Best High-Yielding Savings Accounts
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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 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 data and original reporting are some of the sources. We also use original research from other reputable publications when appropriate. 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."