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% to 4.60% You Can Guarantee as Long a❀s 2026

CD rates have been slowly declining. Last week, the nation's leading CD rate dropped from 4.65% to 4.60%. You can still snag that 4.60% return from either T Bank, for a 6-month rate lock, or 澳洲幸运5官方开奖结果体彩网:Abound Credit Union, for a 10-month guarantee. Abound's offꦕer would stretch your rate 🥀guarantee into early 2026.

A total of 17 CDs pay at least 4.50%, with the longest term among these being 18 months. That CD is available from 澳洲幸运5官方开奖结果体彩网:XCEL Federal Credit Union, and it will lock in a 4.50% rate until October of next year.

Consider Longer-Term CDs To Guarantee Your Rate Furth🐭er Into the Future

For a rate lock you can enjoy into 2027, 澳洲幸运5官方开奖结果体彩网:Lafayette Federal Credit Union is paying 4.28% APY for a full 24 months. Meanwhile, 澳洲幸运5官方开奖结果体彩网:Genisys Credit Union leads the 3-year term, offering 4𒁏.32% for 30 months.

CD shoppers who want an even longer guarantee might like the leading 4-year or 5-year certificates. Though the 4-year rate dropped last week from 4.40%, you can still lock in a 4.28% rate for 4 years from 澳洲幸运5官方开奖结果体彩网:Lafayette Federal Credit Union. In fact, Lafayette promises the same 4.28% APY onꦚ all its cer𝓡tificates from 7 months through 5 years, letting you secure that rate as far as 2030.

Multiyear CDs are likely smart right now, given the possibility of Fed rate cuts in 2025 and perhaps 2026. The central bank has so far lowered the 澳洲幸运5官方开奖结果体彩网:federal funds rate by a full percentage point, and this year could see additional cuts. While any interest-rate reductions from the Fed will push bank AꩵPYs 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 4.60%. 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 CDs Top Regular CDs in 4 Terms

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, the 澳洲幸运5官方开奖结果体彩网:best jumbo CD rates right now are equal to or lower than the best st𝓰andard CD rates in ꦬhalf the terms we track.

Among 18-month CDs, both the top standard and top jumbo CDs pay the same rate of 4.50% APY. Meanwhile, institutions are offering higher jumbo rates in the followin꧋g t𓆏erms:

• 2 years: 澳洲幸运5官方开奖结果体彩网:Lafayette Federal Credit Union offers 4.33% for a 2-year jumbo CD vs. 4.28% for the highest standard rate.
• 3 years: 澳洲幸运5官方开奖结果体彩网:Hughes Federal Credit Union offers 4.34% for a 3-year jumbo CD vs. 4.32% for the highest standard rate.
• 4 years: Lafayette Federal Credit Union offers 4.33% for a 4-year jumbo CD vs. 4.28% for the highest standard rate.
• 5 years: Both 澳洲幸运5官方开奖结果体彩网:GTE Financial and Lafayette Federal Credit Union offer 4.33% for jumbo 5-year CDs vs. 4.28% for the highest standard rate.

That makes it smart to always check both types of offerings when CD shopping. If your best rate o♋ption is a standard CD, simply open it with a jumbo-sized d൲eposit.

Where Are CD Rates Headed in 2025?

In December, the Federal Reserve 澳洲幸运5官方开奖结果体彩网: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官方开奖结果体彩网: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官方开奖结果体彩网: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官方开奖结果体彩网: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 澳洲幸运5官方开奖结果体彩网:tariff activity from the Trump administration has the potential to alter the Fed's course. But with more Fed rate cuts possibly arriving this year, 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.

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 be 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官方开奖结果体彩网:read our full methodology.