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

🍌 Rates of 4.50% ꦆto 5.00% You Can Guarantee as Long as September 2026

Your ability to lock in a 5.00% APY continues with 澳洲幸运5开奖号码历史查询:Mountain America Credit Union's 18-month certificate promising that returꦿn. Opening this CD now would lock in your rate until almost fall 202𝔍6.

The runner-up rate is 4.65% APY, available from four competing offers that extend their rate promise into later 2025. Two bankꦜs and two nationally available credit unions are paying that rate on terms of 5 to 7 months.

In the longer 1-year term, 澳洲幸运5开奖号码历史查询:Abound Credit Union recently unveiled a 4.60% return with a 10-month rate guarantee. Or you can secure that same APY for 13 months with 澳洲幸运5开奖号码历史查询:Vibrant Credit Union. Both of ꦗthese will guarantee your rate into 2026.

Extendin🐈g further into next year is 21-month offer of 4.50%, which will lock in your return until almost Christmas 2026.

Consid𒀰er Multiyear CDs Tꦜo Lock Your Rate Further Into the Future

For a CD that will guarantee your return until at least 2027, 澳洲幸运5开奖号码历史查询:Credit Human offers multiple leading options that fit the bill. You can lock in a guaranteed rate of 4.45% for a take-your-pick term of 18-23 months (you'll need to choose a term of at le𓆏ast 22 months to stretch into the 2027 calendar), or you can opt for 4.40% on a term of your choosing between 24 and 35 months.

Anyone wanting an even longer rate lock got some good news earlier this month, with the leading 4-year CD rate getting a boost from 4.35% to 4.40%. That new higher rate is available from 澳洲幸运5开奖号码历史查询:Vibrant Credit Union. Meanwhile, 澳洲幸运5开奖号码历史查询: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 unti🦩l 2030.

Long-term CDs are likely smart right now, given the possibility of Fed rate cuts in 2025 and 2026. The central bank has so far lowered the 澳洲幸运5开奖号码历史查询:federal funds rate by a full percentage point, and this🌠 year could see additional c𒁏uts. While any interest-rate reductions from the Fed will push bank APYs lower, a CD rate you secure now will be yours to enjoy 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 the pullback, the best CDs still offer a stellar return. October 2023 saw the best CD rates push above 6%, while the leading rate is currently down to 5%. Compare that to early 2022, before the Federal Reserve embarked on its fast-and-furious rate-hike campaign. The most you could earn from the very best CDs in the country then ranged from just 0.50% to 1.70% APY, depending on the term.

Jumbo CDsꦐ Lose Against Regular CDs in Every Term

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, the 澳洲幸运5开奖号码历史查询:best jumbo CD rates right now are worse than the best standard CD rates in every term we track. That means it's smart to always check both types o💧f offerings when CD shopping, and if your best rate option for your preferre♏d deposit amount is a standard CD, simply open it with a jumbo-sized deposit.

Where Are CD Rates Headed in 2025?

In December, the Federal Reserve 澳洲幸运5开奖号码历史查询:announced a third rate cut to the federal funds rate in as many meetings, reducing it a full percentage point since September. But in January and March, the central bankers 澳洲幸运5开奖号码历史查询:declined to make further cuts to 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 澳洲幸运5开奖号码历史查询: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 moves are significant to savers, as reductions to the fed funds rate push down the rates banks and credit unions are willing to pay consumers for their deposits. Both CD rates and 澳洲幸运5开奖号码历史查询:savings account rates reflect changes to the fed funds rate.

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. That makes now a smart time to lock in the best rate that suits your financial timeline.

How We Find the Best CD Rates

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide and determines daily rankings of the top-paying certificates in every 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 b𝐆e under $5,000.

Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, 澳洲幸运5开奖号码历史查询:read our full methodology.