Best CD Rates for January 2025: Secure Top Returns

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best CD Rates for January 2025: Secure Top Returns","alternativeHeadline":"Best CDs Right Now to Maximize Your Savings","image":{"@type":"ImageObject","url":"https://i.insider.com/5dde8f85fd9db257724a8fd4?width=1200&format=jpeg","width":1200,"height":900},"name":"Best CDs Right Now to Maximize Your Savings","datePublished":"2025-01-16T17:23:25Z","dateModified":"2025-01-16T17:23:25Z","description":"Discover the best CDs for secure savings growth. Compare rates and terms, and find the top options from online banks and credit unions right now.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.In December 2024, The Fed made an interest rate cut for the third Fed meeting in a row. This caused CD interest rates to fall, and it's likely that CD rates will continue to fall in 2025. That being said, there's still time to lock in a good CD rate before the Fed cuts interest rates again.At Business Insider, we keep track of over 160 financial institutions across the U.S. and list the best CDs currently offered. We report the highest CD rates every day to help you find the right CD.We report on standard CDs with term lengths as low as 3 months and as high as 5 years. We also report on no-penalty CDs, CDs with no minimum opening deposits, and other specialty CDs. In addition to nationwide CD rates, we give the best CD rate found at a local financial institution to give you an idea of the CD market as a whole.The best CD rate we've found is 9.50% APY from California Coast Credit Union Celebration Certificate. However, the credit union has a small footprint for eligible applicants, and there are caps on the amount of CD earnings.Credit unions offer many of the best current CD rates right now. But don't worry — anyone is eligible to join these credit unions and open CDs.CDs aren't as accessible as other types of savings accounts, so keep in mind how long you can keep money in the account without potentially facing early withdrawal penalties. Also, make sure you know what steps you need to take once your CD term ends.The best banks and credit unions for CDs offer a high rate on certificates of deposit with good perks and low minimum opening deposits.Our top picks for CDs are protected by federal insurance. Bear in mind money is safe at a federally insured financial institution. When a financial institution is FDIC- or NCUA-insured, up to $250,000 per depositor, per account category is secure in a bank account.If two or more banks offer the same rate, we choose the most well-rounded account as our overall top pick. We take into consideration factors like minimum opening deposit requirements, early withdrawal penalties, and the overall banking experience in addition to the interest rate.Here are the best CD rates as picked by Business Insider editors.California Coast Credit Union currently offers a limited-time 5-month Celebration Certificate offering a whopping 9.50% APY CD rate. It requires a low minimum deposit of $500.However, the criteria you need to meet in order to open the certificate are steep. First of all, you can only put a maximum of $3,000 in the CD. Second of all, the money in the CD has to be new, which means it can't have previously been in a California Coast Credit Union account. You'll also need some sort of other account with California Coast Credit Union to get the high APY. You can have an active checking account (meaning it has one transaction a month), a new money market account with a minimum balance of $5,000, a new regular certificate with a minimum balance of $5,000, a new IRA certificate with a minimum balance of $5,000, or a new funded consumer loan that isn't either a credit card or a share-secured or certificate-secured loan.You also need to be a member of California Coast Credit Union. Membership is limited to people who live or work in San Diego or Riverside counties, to people in select employee groups, and to people who live with a member.Term options: California Coast Credit Union has terms ranging from 3 months to 5 years, as well as a 5-month celebration certificate, an 8-month liquid certificate, and an 18-month bump rate certificate.Penalties: California Coast Credit Union certificates have the following early withdrawal penalties:Raisin offers a 3-month no-penalty CD with a high APY of 4.35% through Mission Valley Bank. This is currently the highest rate you can get for a no-penalty CD, either from Raisin or from other nationwide banking institutions. This CD also offers a very low minimum deposit of $1.This deal is through Raisin, so if you'd prefer to work directly with a bank, you might want to check out our other no-penalty CD options.Term option: 3 monthsPenalties: noneRaisin Savings ReviewBask Bank is a good option if you'd like to earn a competitive interest rate on a 3-month CD.Bask Bank has limited CD terms. If you're looking to open a CD with a term over 2 years, you might prefer another institution. It also has a minimum opening deposit of $1,000. This is fairly standard, but many banks and credit unions still offer lower minimum opening deposits for their CDs.Term options: Terms range from 3 months to 2 years.Penalties: The early withdrawal penalties are as follows:Bask Bank ReviewA TotalBank CD may be appealing if you're searching for a 6-month term available nationwide.TotalDirectBank CDs have a steep minimum opening deposit of $25,000 and a maximum deposit of $1 million. TotalDirectBank is the online-only division of the City National Bank of Florida. The online division doesn't operate in Florida, Somoa, Guam, the Northern Mariana Islands, or the U.S. Virgin Islands.Term options: TotalDirectBank has terms ranging from 3 months to 5 years.Penalties: The following early withdrawal penalties may apply to TotalDirectBank CDs:EagleBank offers the best 12-month CD rate at U.S. banks.If you're unfamiliar with EagleBank, it's a local financial institution in Maryland, Virginia, and Washington, DC. You can also open a high-yield savings account and online CDs ranging from 6 months to 18 months if you don't live near a branch.You'll only be able to deposit a maximum of $500,000 into a CD. Another downside to banking with EagleBank is that its mobile banking app has lackluster ratings in both the Google Play and Apple stores.Terms: EagleBank has online terms ranging from 6 months to 18 months. You can also open other terms by calling the bank or visiting a location in Virginia, Maryland, or Washington, DC.Penalties: The following early withdrawal penalties may apply to online EagleBank CDs: Credit Human offers good rates on several of its certificates, especially its 18-month and 2-year certificates. All of its CDs come in 1-month term length increments, and it offers CDs with term lengths of up to 10 years. If you're looking for CDs that have a lot of flexibility around term lengths, Credit Human certificates might be a good choice for you.Credit Human's membership eligibility requirements are easy to meet by credit union standards. The easiest way to join is by becoming a member of the American Consumer Council. You can also join by living in certain parts of San Antonio or New Orleans or by being related to a current Credit Human member, among other methods.Terms: Credit Human CDs have term lengths ranging from 3 months to 10 years.Penalties: Credit Human early withdrawal penalties are the greater of $50 or the following penalties:America First Credit Union is one of the best credit unions for CDs. It offers the highest rate for a 3-year, 4-year, and 5-year CD. An America First Credit Union Certificate may be worthwhile if you're searching for a financial institution with branches in Arizona, Idaho, Nevada, New Mexico, and Utah. America First Credit Union offers non-standard CDs in addition to their regular CDs, such as IRA CDs, flexible CDs, and bump-rate CDs.Credit unions require membership to open bank accounts. You may join America First Credit Union if you live, work, worship, or volunteer in an Arizona, Idaho, Nevada, New Mexico, Oregon, or Utah county on its membership list. If you have a family member or spouse who is a current member, you're also eligible.Term options: America First Credit Union has terms ranging from three months to 60 months. It also offers IRA certificates, flexible certificates, and bump-rate certificates.Penalties: America First Credit Union has the following early withdrawal penalties:America First Credit Union ReviewBelow, you'll find our picks for the best CD rates right now. There isn't one particular CD that will work for everyone, but we combed through offerings at around a dozen national banks to find the strongest options available right now. If more than three CDs share the top rate, we put the three highest-rated CDs in our guide. We also ordered CDs from highest to lowest editorial rating if they offered the same rate so you know which ones are the most well-rounded options.Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.However, there may be other reasons for wanting to open a savings account versus a no-penalty CD. Carefully review both accounts and see which is a better fit for reaching your needs.The best 6-month CDs are offering interest rates around 5%. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term.These can be a good option for those who may just be getting started with saving, or who don't have a large emergency fund for unexpected expenses.The best 1-year CDs also offer around 5%, and are a popular option for many investors.A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. Financial planners often recommend this CD strategy of laddering several terms so that you have additional flexibility while still being able to lock in higher rates.The best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.The best 3-year CDs tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.The best 5-year CDs will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.A jumbo CD is a type of CD with a much higher minimum opening deposit than the average traditional CD. In exchange, jumbo CDs usually offer better rates than you would find with traditional CDs. If you have a lot of money to put in a CD, jumbo CDs might be a good choice for you.Bump-up CDs are a type of CD that lets you raise your CD rate once during the term length if your financial institution's rates go up. These are also sometimes called bump-rate CDs or raise-your-rate CDs. Some banks and credit unions let you raise your rate more than once, so if that's something you're interested in, you should check with your financial institution before you open the CD.Step-up CDs are similar to bump-up CDs in that their special features center around raising the interest rate you get on your CD. However, step-up CD rates are locked in when you open the CD; you'll know exactly when your rate will raise, and by how much, when you open the CD.For example, an 18-month step-up CD might start at 1% APY, or annual percentage yield, raise to 1.5% APY after 6 months, and raise to 2% APY after a year. These rate raises aren't dependent on market fluctuations like bump-up CDs are.IRA CDs are a type of retirement account. They work just like traditional CDs, but they have different rules when it comes to the taxes you pay and the way you withdraw money. IRA CDs can be traditional IRAs, which defer the taxes you pay on your money until you're ready to withdraw it, or Roth IRAs, which you pay taxes on up-front but are otherwise tax-exempt if you withdraw your money when you're retirement age.You'll have to pay early withdrawal fees on any money you withdraw from IRA CDs before their term lengths are up. But depending on how old you are and what type of IRA it is, you might have to also pay taxes and penalties on what you withdraw. If you have a non-IRA CD, you'll need to pay taxes on the interest your CDs make each year. As long as you aren't withdrawing money from your early, you won't have to pay taxes yearly on your IRA CDs.When opening a CD, one of the most important things to consider is the interest rate. CD rates are impacted by the Federal Reserve's decisions. As a result of the Fed's latest rate cuts, CD rates have been declining. There are still a few CDs offering 5% interest.Keep in mind it's also likely that CD rates will drop in the future. Notably, there's less room for long-term CD rates when rates decline since accounts offer around 4% APY, while short-term CDs are still paying around 5% APY.While the interest rate is important, you'll also want to make sure other aspects of the CD fit your needs, too. Consider whether you want a short-term CD vs. a long-term CD and act accordingly; you don't want to end up hit by early withdrawal penalties because you took out a CD with a too-long term length, and you don't want to miss out on savings because you took out a short-term CD and interest rates dropped.You'll also want to consider types of CDs, too. If you're interested in the best CD rates for seniors, for example, you might want to look for CDs that give better interest rates for senior citizens. And if you're interested in planning for retirement, you might want to consider IRA CDs over traditional CDs.Make sure that the bank or credit union is FDIC- or NCUA-insured before putting money in a financial institution. FDIC insurance keeps your money safe in banks up to $250,000 per person, per account type. NCUA insurance works similarly but is only for credit unions.If you have a limited amount of money to put in a CD, you'll want to check what the minimum opening deposit is for the CD. A minimum opening deposit of $1,000 is fairly standard, but you can find CDs that permit a deposit of $0 upfront. If you're looking to open a much larger CD, jumbo CDs usually have minimum opening deposits that are far higher than those for standard CDs. If you're not certain how much money to deposit into a CD, think about what you're saving money for and create a savings goal that can help make this idea more tangible. Setting up a timeline can also help you determine how much you'll need to deposit upfront to reach your end goal. If you aren't sure whether you can keep money in a CD for its entire term length, you'll want to check what early withdrawal penalties your CD charges. This generally takes the form of deducting a certain amount of interest from your account, such as 90 days' interest for a 6-month CD. A compound interest calculator can help you figure out exactly how much this is for your CD.If you want to be able to withdraw money without incurring these penalties, you'll probably want to go for a no-penalty CD. No-penalty CDs let you withdraw your money without penalty in exchange for generally slightly lower interest rates.Some bank accounts come with monthly service fees, which will automatically deduct a small fee from your account each month. Luckily, you generally don't have to worry about these for CDs; they're more commonly found on checking accounts, money market accounts, and traditional savings accounts. However, you should always check before opening a CD to make sure there aren't any fees associated with the account.It's important to make sure the financial institution you open a CD with is trustworthy and safe. Before opening a CD with a bank or credit union, check their BBB page, see if they've been involved in any recent lawsuits, and research whether they've had any recent data breaches.You might also want to consider banking with an eco-friendly bank, a minority depository institution, or a community development financial institution. These banks use the money you put in your accounts to help the environment and underserved populations.Generally, your CDs will auto-renew at the end of the term length, giving you a short window when the original CD closes to choose not to renew. There are a few things to look out for with CD auto-renewal. If interest rates have changed since you opened the original CD, your new CD with have the updated interest rate. If interest rates have fallen, you'll probably want to close out your CD instead of auto-renewing. Additionally, many promotional CDs with auto-renew into one of the bank's standard CDs with much worse interest rates. Make sure you understand what your CD will renew into at the end of the term length so you can take appropriate action.Just like any interest-bearing account, you'll be taxed on the interest income you earn from your CD. If you have a CD, you'll need to fill out a 1099-INT form when you file your taxes with the IRS. If you have a traditional IRA CD that you withdraw from early, you'll need to pay taxes on everything you withdraw since traditional IRAs are a before-tax account. This tax is in addition to whatever CD early withdrawal penalties you have to pay. Tax software can help make sure you're filing your CD taxes correctly.In general, you'll earn a much higher rate with a CD compared to traditional, brick-and-mortar savings accounts; average CD rates far outpace average savings account interest rates. You'll also be locking in your rate; CDs come with a fixed interest rate, while savings accounts have variable interest that can change at any time. That being said, savings accounts give you much easier access to your money than CDs, and high-yield savings accounts from online financial institutions also offer great interest rates.Money market accounts are like traditional savings accounts, but they usually have a tiered interest rate structure that gives you a better interest rate the more money you put in the account. They also sometimes come with checks or other ways to access the money besides ACH transfers or wire transfers.If you're planning on putting a lot of money into a money market account, its interest rate might be competitive with the interest rates CDs offer. And they're a better choice if you want easy access to your money. But high CD interest rates are easier to earn than high money market interest rates, and average money market rates are lower than average CD rates. CD interest rates are also locked in, while money market accounts have variable rates.Bonds and CDs are similar in that they both offer fixed interest. While most other savings accounts have an interest rate that can change at any time, you can lock in a rate for a specific length of time with bonds and CDs. One big difference between bonds vs. CDs is that CDs are a banking product, while bonds are traded. CDs are federally insured through the FDIC, while bonds aren't, although you can get treasury bonds from the federal government that are similarly low-risk.That being said, depending on market conditions, bonds might offer a higher rate than CDs. Bonds also tend to be longer-term, and some bonds, such as treasury bonds, are tax-advantaged.Banks and credit unions base their CD rates on several different economic factors. One of the biggest economic factors is the Federal Reserve. The Federal Reserve is the central banking system of the U.S., and the rates it sets inform the rates that banks and credit unions set.Since CDs have a fixed rate of return, CD rates are based on both the current federal funds rate and what banks and credit unions expect the federal funds rate to be in the future.Banks and credit unions also need to stay competitive with each other to be successful, so financial institutions also base their rates on what other financial institutions are offering.When looking for where to find the best CD rates, you'll want to consider several factors, including interest rate, minimum opening deposit, early withdrawal penalties, and bank safety. You'll also want to factor what banks and credit unions are accessible to you. If you know you don't enjoy online banking, you'll probably want to choose a brick-and-mortar bank or local credit union, even if their rates aren't as good as the ones in this article.Sometimes, opening just one CD isn't the best option for your savings. A CD ladder strategy can give you more flexibility and liquidity than a regular CD while still letting you lock in a great rate for a significant amount of time.To open a CD ladder, you just open multiple CDs with different term lengths at once. For example, if you have $120,000 you want to put in a CD, instead of putting all of that money into just one CD, you spread it across several. For example, you might open a 1-year, 2-year, and 3-year CD, putting $40,000 in each. That way, you'll have some of your money back within a year in case of an emergency, but you'll be earning a great interest rate for three years. You don't need to open these CDs at the same bank, which means you'll have more flexibility to choose CDs with the best rates or features.CD ladders can help mitigate the risk that you'll need to withdraw your funds before the CD's term length is up. This makes it a low-risk way to diversify your portfolio. That being said, CDs won't earn you as much money on average as investments do. You'll get a guaranteed growth rate with CDs, but you'll get a higher rate overall, albeit with some amount of risk, with a brokerage account or other investment strategy.We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best CDs to use for your money. You can read their insights at the bottom of this post.Here's what they had to say about CDs. (Some text may be lightly edited for clarity.)What makes a CD good or not good?Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:\"You always want to look at how much money you need to start up. And then if you can continuously add money in. Also, check not just what the interest rate is, but how often they pay out interest, whether it's monthly or quarterly.\"How should someone choose a CD term length?Roger Ma, CFP® professional and author of \"Work Your Money, Not Your Life\":\"I would think about when you need the money and then compare that with what the prevailing CD rates are, and then what makes sense from a financial perspective, but also from your own personal timing perspective.\"Mykail James, CFEI:\"I believe in having a plan for whatever the funds are. If it's supposed to be a house fund, and you want to wait for another two years to buy a house, that's what you should be thinking of when you want to have this money.\"How should someone decide whether to put their money in a high-yield savings account, money market account, or CD?Tania Brown, CFP® professional and vice president of coaching strategy at OfColor:\"So I guess we'll start off with how much money you want to put in and the level of transactions you want to have. If you want to have any transactions, that automatically takes out CDs. Then you're stuck between the high-yield savings and the money market account.\"Sophia Acevedo, banking editor, Business Insider:\"Generally, I think a high-yield savings account or money market account could be good options for an emergency fund or short-term savings goals. A high-yield savings account offers a higher interest rate than traditional savings accounts at brick-and-mortar banks.\"Meanwhile, money market accounts might be worth considering if you want more account accessibility — several offer paper checks, ATM cards, or debit cards. CDs could be worthwhile if you don't need access to some of your money, since they have a fixed interest rate for a specific term.\"Methodology: How We Chose the Best CDsAt Business Insider, we aim to help you make smart decisions with your money. We thoroughly research banking products with the goal of providing helpful content about personal finance.Business Insider's personal finance team is editorially independent, which means our business team does not decide how we cover products and what we write about. You can read our editorial standards page to learn more about how we review and choose products in greater detail. In order to choose the best CDs, we reviewed over 160 financial institutions. All banks included on our list are FDIC-insured, while credit union CDs offer insurance through NCUA. We've selected the top CD offerings from banks and credit unions using our bank account methodology. We rate bank products on a scale from one to five stars, with one star being the lowest rating and five star being the highest rating possible.For CDs, we consider what terms are offered, along with the accounts' minimum opening deposit requirements, interest rates, fees, miscellaneous features, and early withdrawal penalties. We also consider the financial institution's customer service options, ethics, security and mobile app ratings. We score each of these features on a scale of zero to five, then calculate the weighted average to determine the account's total rating.If two banks offered the same APY on a CD product, we considered factors like minimum deposit requirements and early withdrawal penalties. A CD, or certificate of deposit, is a time-sensitive savings account that holds your money at a fixed interest rate for a specified period of time. You can open one at almost any bank or credit union.The highest-paying CD rate right now is available at California Coast Credit Union. It has 5-month celebration certificate paying 9.50% APY, but this CD special only allows a $3,000 maximum opening deposit and requires you to have another bank account with the credit union that meets certain requirements. To become a member and open a certificate, you must live, work, or go to school in San Diego or Riverside counties or be part of select employee groups.You can lose money in CDs if you withdraw your money before the end of the term length. You might also lose money in a CD if the financial institution you're using fails and you have more money in the account than the FDIC or NCUA covers, but that's unlikely to happen.The best CD rates aren't always from online banks. While online banks tend to have the best bank CD rates, there are plenty of credit unions and even a few national brick-and-mortar banks that also have good CD rates. Always make sure to check multiple financial institutions when looking for a CD.Timing matters. CDs are a good investment if interest rates are currently high and/or expected to fall. The biggest benefit of a CD is your ability to lock in a fixed interest rate. If interest rates fall during the term of your CD, the APY on your CD will not be affected. Conversely, if rates are expected to rise, then it may not be a good time to put money in a CD.Higher CD rates aren't coming. In fact, the Fed cut interest rates in its September, November, and December 2024 meetings. It's expected that rates will continue to drop through 2025. The Fed's economic projections indicate that CD rates might continue to fall as far in the future as 2027.No, you currently can't get 7% interest on a CD. However, the California Coast Credit Union Celebration Certificate is currently offering an even higher interest rate of 9.50% APY. You'll have to meet some pretty strict requirements, though, such as living in specific parts of California.You can know if a bank or credit union offering the best CDs is safe by checking for federal insurance. For banks, make sure they have FDIC insurance, and for credit unions, make sure they have NCUA insurance.CDs are safe because you open these accounts at federally insured financial institutions. If a bank shuts down, the FDIC will keep up to $250,000 per depositor, per ownership category secure.Yes, CDs are taxable. Banks send a 1099-INT form and you report CD interest in your annual tax return.","articleSection":"Personal Finance, Banking, Certificates of Deposit","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a certificate of deposit?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">A CD, or certificate of deposit, is a time-sensitive savings account that holds your money at a fixed interest rate for a specified period of time. You can open one at almost any bank or credit union.</p>"}},{"@type":"Question","name":"What is the highest-paying CD rate right now?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The highest-paying CD rate right now is available at California Coast Credit Union. It has 5-month celebration certificate paying 9.50% APY, but this CD special only allows a $3,000 maximum opening deposit and requires you to have another bank account with the credit union that meets certain requirements. To become a member and open a certificate, you must live, work, or go to school in San Diego or Riverside counties or be part of select employee groups.</p>"}},{"@type":"Question","name":"Can you lose money in CDs?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can lose money in CDs if you withdraw your money before the end of the term length. You might also lose money in a CD if the financial institution you're using fails and you have more money in the account than the FDIC or NCUA covers, but that's unlikely to happen.</p>"}},{"@type":"Question","name":"Are the best CD rates always from online banks?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best CD rates aren't always from online banks. While online banks tend to have the best bank CD rates, there are plenty of credit unions and even a few national brick-and-mortar banks that also have good CD rates. Always make sure to check multiple financial institutions when looking for a CD.</p>"}},{"@type":"Question","name":"Are CDs a good investment?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Timing matters. <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/are-cds-a-good-investment\" data-analytics-product-module=\"body_link\" rel=\"\">CDs are a good investment</a> if interest rates are currently high and/or expected to fall. The biggest benefit of a CD is your ability to lock in a fixed interest rate. If interest rates fall during the term of your CD, the APY on your CD will not be affected. Conversely, if rates are expected to rise, then it may not be a good time to put money in a CD.</p>"}},{"@type":"Question","name":"Are higher CD rates coming?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Higher CD rates aren't coming. In fact, the Fed cut interest rates in its September, November, and December 2024 meetings. It's expected that rates will continue to drop through 2025. The Fed's economic projections indicate that CD rates might continue to fall as far in the future as 2027.</p>"}},{"@type":"Question","name":"Can you get 7% interest on a CD?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, you currently can't get <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/7-percent-interest-cd-certificate-of-deposit\" data-analytics-product-module=\"body_link\" rel=\"\">7% interest on a CD</a>. However, the California Coast Credit Union Celebration Certificate is currently offering an even higher interest rate of 9.50% APY. You'll have to meet some pretty strict requirements, though, such as living in specific parts of California.</p>"}},{"@type":"Question","name":"How do I know if a bank or credit union offering the best CDs is safe?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can know if a bank or credit union offering the best CDs is safe by checking for federal insurance. For banks, make sure they have FDIC insurance, and for credit unions, make sure they have NCUA insurance.</p>"}},{"@type":"Question","name":"Are CDs safe?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\"><a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/are-cds-safe\" data-analytics-product-module=\"body_link\" rel=\"\">CDs are safe</a> because you open these accounts at federally insured financial institutions. If a bank shuts down, the FDIC will keep up to $250,000 per depositor, per ownership category secure.</p>"}},{"@type":"Question","name":"Do you have to pay taxes on CD interest?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/banking/are-certificates-of-deposit-taxable\" data-analytics-product-module=\"body_link\" rel=\"\">CDs are taxable</a>. Banks send a 1099-INT form and you report CD interest in your annual tax return.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking","name":"Banking"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/certificates-of-deposit","name":"Certificates of Deposit"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now","name":"Best CDs Right Now to Maximize Your Savings"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/banking" class=" 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/certificates-of-deposit" class="" data-track-click="{"product_field":"Certificates of Deposit","element_name":"breadcrumbs","event":"navigation"}" > Certificates of Deposit </a> </span> </div> <h1 class="post-headline ">Best CDs Right Now to Maximize Your Savings</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness " data-interaction-trigger="share,save-article,read-in-app-button" > <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Kit Pulliam" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/kit-pulliam" >Kit Pulliam</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sophia-acevedo" >Sophia Acevedo</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2025-01-16T17:23:25Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2025-01-16T17:23:25Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> 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href="#other-factors-to-consider" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Other Factors to Consider </a> </li> <li> <a href="#comparing-cds-to-other-accounts" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Comparing CDs to Other Accounts </a> </li> <li> <a href="#how-banks-come-up-with-cd-rates" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Banks Come Up With CD Rates </a> </li> <li> <a href="#securing-the-best-cd" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Securing the Best CD </a> </li> <li> <a href="#best-cd-laddering-strategies" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best CD Laddering Strategies </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>In December 2024, <a target="_blank" class="" href="https://www.businessinsider.com/interest-rate-cuts-federal-reserve-final-decision-powell-trump-inflation-2024-12" data-analytics-product-module="body_link" rel="">The Fed made an interest rate cut</a> for the third Fed meeting in a row. This caused CD interest rates to fall, and it's likely that CD rates will continue to fall in 2025. That being said, there's still time to lock in a good CD rate before the Fed cuts interest rates again.</p><p>At Business Insider, we keep track of over 160 financial institutions across the U.S. and list the best CDs currently offered. We report the highest CD rates every day to help you find the right CD.</p><p>We report on standard CDs with term lengths as low as 3 months and as high as 5 years. We also report on no-penalty CDs, CDs with no minimum opening deposits, and other specialty CDs. In addition to nationwide CD rates, we give the best CD rate found at a local financial institution to give you an idea of the CD market as a whole.</p><p>The best CD rate we've found is 9.50% APY from California Coast Credit Union Celebration Certificate. However, the credit union has a small footprint for eligible applicants, and there are caps on the amount of CD earnings.</p><h3 id="4c1e280a-7979-4446-b249-f0267a72249b" data-toc-id="4c1e280a-7979-4446-b249-f0267a72249b">Featured Nationally Available Deposit Rates</h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Account Name</td><td colspan="1" rowspan="1" class="headline-regular headline-semibold">APYs (Annual Percentage Yields) are accurate as of 01/17/2025</td><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Minimum Account Opening Balance</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e112be5baabf02d6c2494b" data-analytics-product-brand="Featured CD Offer - Position 1" data-analytics-product-name="Featured Offer - Prism Bank 3 Month CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/1e819a72-51ac-4f84-b7ea-93b6a5572c0a">Prism Bank 3 Month CD, powered by Raisin</a></td><td colspan="1" rowspan="1" class="headline-regular">4.30%</td><td colspan="1" rowspan="1" class="headline-regular">$1</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e113176b7e5f425a95cabd" data-analytics-product-brand="Featured CD Offer - Position 2" data-analytics-product-name="Featured Offer - Barclays 6 Month Online CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=00a36f30e53393a6ed69bef4531f2ed21ceef87635bc73e74a19e16c3528ee80&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Fwww.anrdoezrs.net%2Fclick-101063856-15294927" data-am-orig-url="https://affiliate.insider.com/?h=00a36f30e53393a6ed69bef4531f2ed21ceef87635bc73e74a19e16c3528ee80&u=https%3A%2F%2Fwww.anrdoezrs.net%2Fclick-101063856-15294927">Barclays 6 Month Online CD</a></td><td colspan="1" rowspan="1" class="headline-regular">3.80%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e112f45baabf02d6c2494c" data-analytics-product-brand="Featured CD Offer - Position 3" data-analytics-product-name="Featured Offer - Discover® 1 Year CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=27aee488d3f23a3625db6f0bc4887738d19a861ca7c5e1e4419c89564d4f9d06&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671916%26cr%3D26693%26last_updated%3D1584057184" data-am-orig-url="https://affiliate.insider.com/?h=27aee488d3f23a3625db6f0bc4887738d19a861ca7c5e1e4419c89564d4f9d06&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671916%26cr%3D26693%26last_updated%3D1584057184">Discover 1 Year CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.00%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e113416b7e5f425a95cabe" data-analytics-product-brand="Featured CD Offer - Position 4" data-analytics-product-name="Featured Offer - Sallie Mae 14 Month No Penalty CD" href="https://offers.evenfinancial.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/822e47a1-2c34-4eb4-932d-3bdc19d4e59c">Sallie Mae 14 Month No-Penalty CD</a></td><td colspan="1" rowspan="1" class="headline-regular">3.95%</td><td colspan="1" rowspan="1" class="headline-regular">$1</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e1136863b85943d3677d77" data-analytics-product-brand="Featured CD Offer - Position 5" data-analytics-product-name="Featured Offer - Discover® 18 Month CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=27aee488d3f23a3625db6f0bc4887738d19a861ca7c5e1e4419c89564d4f9d06&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671916%26cr%3D26693%26last_updated%3D1584057184" data-am-orig-url="https://affiliate.insider.com/?h=27aee488d3f23a3625db6f0bc4887738d19a861ca7c5e1e4419c89564d4f9d06&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671916%26cr%3D26693%26last_updated%3D1584057184">Discover 18 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">3.80%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d1991bd3f833fe53fa64" data-analytics-product-brand="Featured Savings Offer - Position 1" data-analytics-product-name="Featured Offer - LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a></td><td colspan="1" rowspan="1" class="headline-regular">up to 4.50%*</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e113d05baabf02d6c2494d" data-analytics-product-brand="Featured CD Offer - Position 7" data-analytics-product-name="Featured Offer - mph.bank 3 Year CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/d33761f7-cc74-43bd-a217-7600ff20f09a">mph.bank 3 Year CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.38%</td><td colspan="1" rowspan="1" class="headline-regular">$1</td></tr></tbody></table></div><h2 id="best-cd-rates-by-term" data-toc-id="1050bd86-2b2a-4b9e-a809-1e04a1881f4b" data-toc-label="Best CD Rates by Term" class="toc-anchor">Highest CD Rates Today by Term</h2><p>Credit unions offer many of the best current CD rates right now. But don't worry — <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/credit-unions-anyone-can-join" data-analytics-product-module="body_link" rel="">anyone is eligible to join these credit unions</a> and open CDs.</p><div class="horizontal-scroll"><table style="min-width: 463px" class="table-content"><colgroup><col style="width: 218px"><col style="width: 220px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">Term</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular headline-semibold">APY</td><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Account Name</td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">No Penalty CD (9 Months)</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.35% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="673e318124da8c1b3b317a49" data-analytics-product-brand="Raisin" data-analytics-product-name="OptimumBank 5 Month No Penalty CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/2b756c9e-a326-4a4c-80d3-ded521d87e2b">OptimumBank 5 Month No Penalty CD, powered by Raisin</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">3 Month</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.65% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="666337d98cd2671bc0c9c5b2" data-analytics-product-brand="Bask Bank" data-analytics-product-name="Bask Bank 3 Month CD" href="https://www.businessinsider.com/personal-finance/bask-cd-bridge">Bask Bank 3 Month CD</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">6 Month</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.61% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="64de958b30323a8131c19928" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 6 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 6 Month CD</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">1 Year</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.60% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66843fc9df8a99ad33141839" data-analytics-product-brand="EagleBank" data-analytics-product-name="EagleBank 12 Month CD" href="https://www.businessinsider.com/personal-finance/eaglebank-cd-bridge">EagleBank 12 Month CD</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">18 Month</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.40% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65b94ae1e2a36adb9330b956" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 18 Month Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 18 Month Share Certificate</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">2 Year</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.35% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65cd363fa567cc19c09f5419" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 2 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 2 Year Share Certificate</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">3 Year</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.15% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66c4f22eaa4990e75ab1f591" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 3 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 3 Year Certificate</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">4 Year</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.20% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67364c9797e172c2527cbea6" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 4 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 4 Year Certificate</a></td></tr><tr><td colspan="1" rowspan="1" colwidth="218" class="headline-regular headline-semibold">5 Year</td><td colspan="1" rowspan="1" colwidth="220" class="headline-regular">4.25% APY</td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65d8db1fdaea20ede3297611" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 5 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 5 Year Certificate</a></td></tr></tbody></table></div><p>CDs aren't as accessible as other <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/types-of-savings-accounts" data-analytics-product-module="body_link" rel="">types of savings accounts</a>, so keep in mind how long you can keep money in the account without potentially facing early withdrawal penalties. Also, make sure you know what steps you need to take once your CD term ends.</p><h2 id="1932e9dc-ac85-400d-a6e6-859c6c6960f1" data-toc-id="1932e9dc-ac85-400d-a6e6-859c6c6960f1">Current CD Rates</h2><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-analytics-product-module="body_link" rel="">best banks</a> and credit unions for CDs offer a high rate on certificates of deposit with good perks and low minimum opening deposits.</p><p>Our top picks for CDs are protected by federal insurance. Bear in mind money is safe at a federally insured financial institution. When a financial institution is FDIC- or <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/how-ncua-insurance-works-credit-union" data-analytics-product-module="body_link" rel="">NCUA-insured</a>, up to $250,000 per depositor, per account category is secure in a bank account.</p><p>If two or more banks offer the same rate, we choose the most well-rounded account as our overall top pick. We take into consideration factors like minimum opening deposit requirements, early withdrawal penalties, and the overall banking experience in addition to the interest rate.</p><p>Here are the best CD rates as picked by Business Insider editors.</p><h3 id="">California Coast Credit Union Celebration Certificate</h3><p>California Coast Credit Union currently offers a limited-time 5-month Celebration Certificate offering a whopping 9.50% APY CD rate. It requires a low minimum deposit of $500.</p><p>However, the criteria you need to meet in order to open the certificate are steep. First of all, you can only put a maximum of $3,000 in the CD. Second of all, the money in the CD has to be new, which means it can't have previously been in a California Coast Credit Union account. You'll also need some sort of other account with California Coast Credit Union to get the high APY. You can have an active <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-analytics-product-module="body_link" rel="">checking account</a> (meaning it has one transaction a month), a new money market account with a minimum balance of $5,000, a new regular certificate with a minimum balance of $5,000, a new IRA certificate with a minimum balance of $5,000, or a new funded consumer loan that isn't either a credit card or a share-secured or certificate-secured loan.</p><p>You also need to be a member of California Coast Credit Union. Membership is limited to people who live or work in San Diego or Riverside counties, to people in select employee groups, and to people who live with a member.</p><p><strong>Term options:</strong> California Coast Credit Union has terms ranging from 3 months to 5 years, as well as a 5-month celebration certificate, an 8-month liquid certificate, and an 18-month bump rate certificate.</p><p><strong>Penalties:</strong> California Coast Credit Union certificates have the following early withdrawal penalties:</p><ul><li>90 days interest for terms of 6 months or less</li><li>180 days interest for terms from more than 6 months to 24 months</li><li>365 days interest for terms of more than 24 months</li></ul><h3 id=""><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="673e318124da8c1b3b317a49" data-analytics-product-brand="Raisin" data-analytics-product-name="OptimumBank 5 Month No Penalty CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/2b756c9e-a326-4a4c-80d3-ded521d87e2b">OptimumBank 5 Month No Penalty CD, powered by Raisin</a></h3><p>Raisin offers a 3-month no-penalty CD with a high APY of 4.35% through Mission Valley Bank. This is currently the highest rate you can get for a no-penalty CD, either from Raisin or from other nationwide banking institutions. This CD also offers a very low minimum deposit of $1.</p><p>This deal is through Raisin, so if you'd prefer to work directly with a bank, you might want to check out our other no-penalty CD options.</p><p><strong>Term option:</strong> 3 months</p><p><strong>Penalties:</strong> none</p><p><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/raisin-review" data-analytics-product-module="body_link" rel=""><em>Raisin Savings Review</em></a></p><h3 id=""><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="666337d98cd2671bc0c9c5b2" data-analytics-product-brand="Bask Bank" data-analytics-product-name="Bask Bank 3 Month CD" href="https://www.businessinsider.com/personal-finance/bask-cd-bridge">Bask Bank 3 Month CD</a></h3><p>Bask Bank is a good option if you'd like to earn a competitive interest rate on a 3-month CD.</p><p>Bask Bank has limited CD terms. If you're looking to open a CD with a term over 2 years, you might prefer another institution. It also has a minimum opening deposit of $1,000. This is fairly standard, but many banks and credit unions still offer lower minimum opening deposits for their CDs.</p><p><strong>Term options: </strong>Terms range from 3 months to 2 years.</p><p><strong>Penalties: </strong>The early withdrawal penalties are as follows:</p><ul><li>30 days of interest for terms of 90 days or less</li><li>90 days of interest for terms between 91 days and 1 year</li><li>180 days of interest for terms greater than 1 year</li></ul><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bask-bank-review" data-analytics-product-module="body_link" rel=""><em>Bask Bank Review</em></a></p><h3 id=""><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64de958b30323a8131c19928" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 6 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 6 Month CD</a></h3><p>A TotalBank CD may be appealing if you're searching for a 6-month term available nationwide.</p><p>TotalDirectBank CDs have a steep minimum opening deposit of $25,000 and a maximum deposit of $1 million. TotalDirectBank is the online-only division of the City National Bank of Florida. The online division doesn't operate in Florida, Somoa, Guam, the Northern Mariana Islands, or the U.S. Virgin Islands.</p><p><strong>Term options: </strong>TotalDirectBank has terms ranging from 3 months to 5 years.</p><p><strong>Penalties: </strong>The following early withdrawal penalties may apply to TotalDirectBank CDs:</p><ul><li>30 days of interest for terms between 30 days and up to 6 months</li><li>90 days of interest for terms above 6 months and up to one year</li><li>180 days of interest for terms over 1 year</li></ul><h3 id=""><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66843fc9df8a99ad33141839" data-analytics-product-brand="EagleBank" data-analytics-product-name="EagleBank 12 Month CD" href="https://www.businessinsider.com/personal-finance/eaglebank-cd-bridge">EagleBank 12 Month CD</a></h3><p>EagleBank offers the best 12-month CD rate at U.S. banks.</p><p>If you're unfamiliar with EagleBank, it's a local financial institution in Maryland, Virginia, and Washington, DC. You can also open a high-yield savings account and online CDs ranging from 6 months to 18 months if you don't live near a branch.</p><p>You'll only be able to deposit a maximum of $500,000 into a CD. Another downside to banking with EagleBank is that its mobile banking app has lackluster ratings in both the Google Play and Apple stores.</p><p><strong>Terms: </strong>EagleBank has online terms ranging from 6 months to 18 months. You can also open other terms by calling the bank or visiting a location in Virginia, Maryland, or Washington, DC.</p><p><strong>Penalties: </strong>The following early withdrawal penalties may apply to online EagleBank CDs: </p><ul><li>3 months of interest for online EagleBank CDs ranging from 6 months to 18 months</li></ul><h3 id="504b3a74-636e-4d55-9211-ee02d5985037" data-toc-id="504b3a74-636e-4d55-9211-ee02d5985037"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65b94ae1e2a36adb9330b956" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 18 Month Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 18 Month Share Certificate</a> and <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65cd363fa567cc19c09f5419" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 2 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 2 Year Share Certificate</a></h3><p id="504b3a74-636e-4d55-9211-ee02d5985037">Credit Human offers good rates on several of its certificates, especially its 18-month and 2-year certificates. All of its CDs come in 1-month term length increments, and it offers CDs with term lengths of up to 10 years. If you're looking for CDs that have a lot of flexibility around term lengths, Credit Human certificates might be a good choice for you.</p><p id="504b3a74-636e-4d55-9211-ee02d5985037">Credit Human's membership eligibility requirements are easy to meet by credit union standards. The easiest way to join is by becoming a member of the American Consumer Council. You can also join by living in certain parts of San Antonio or New Orleans or by being related to a current Credit Human member, among other methods.</p><p id="504b3a74-636e-4d55-9211-ee02d5985037"><strong>Terms:</strong> Credit Human CDs have term lengths ranging from 3 months to 10 years.</p><p id="504b3a74-636e-4d55-9211-ee02d5985037"><strong>Penalties:</strong> Credit Human early withdrawal penalties are the greater of $50 or the following penalties:</p><ul><li>90 days of interest for terms of 3 months</li><li>180 days of interest for terms of 6 months</li><li>270 days of interest for terms of 1 year</li><li>365 days of interest for terms of 3 years</li><li>730 days of interest for terms of 5 years</li><li>1095 days of interest for terms of 8 years to 10 years</li></ul><h3 id="de000232-6835-47c4-ad81-ae6f1606884a" data-toc-id="de000232-6835-47c4-ad81-ae6f1606884a"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66c4f22eaa4990e75ab1f591" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 3 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 3 Year Certificate</a>, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="67364c9797e172c2527cbea6" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 4 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 4 Year Certificate</a>, and <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="65d8db1fdaea20ede3297611" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 5 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 5 Year Certificate</a></h3><p>America First Credit Union is one of the best credit unions for CDs. It offers the highest rate for a 3-year, 4-year, and 5-year CD. An America First Credit Union Certificate may be worthwhile if you're searching for a financial institution with branches in Arizona, Idaho, Nevada, New Mexico, and Utah. America First Credit Union offers non-standard CDs in addition to their regular CDs, such as IRA CDs, flexible CDs, and bump-rate CDs.</p><p>Credit unions require membership to open bank accounts. You may join America First Credit Union if you live, work, worship, or volunteer in an Arizona, Idaho, Nevada, New Mexico, Oregon, or Utah county on its membership list. If you have a family member or spouse who is a current member, you're also eligible.</p><p><strong>Term options:</strong> America First Credit Union has terms ranging from three months to 60 months. It also offers IRA certificates, flexible certificates, and bump-rate certificates.</p><p><strong>Penalties: </strong>America First Credit Union has the following early withdrawal penalties:</p><ul><li>60 days of interest for terms of 1 year or less (at least $5)</li><li>180 days of interest for terms of more than 1 year (at least $5)</li></ul><p><a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/america-first-credit-union-review" data-analytics-product-module="body_link"><em>America First Credit Union Review</em></a></p><h2 id="compare-cd-rates-by-term" data-toc-id="08ad7195-d95e-4c18-b33c-9883504c678a" data-toc-label="Compare CD Rates by Term" class="toc-anchor">Compare CD Rates by Term</h2><p>Below, you'll find our picks for the best CD rates right now. There isn't one particular CD that will work for everyone, but we combed through offerings at around a dozen national banks to find the strongest options available right now. If more than three CDs share the top rate, we put the three highest-rated CDs in our guide. We also ordered CDs from highest to lowest editorial rating if they offered the same rate so you know which ones are the most well-rounded options.</p><h3 id="286a8bc9-b8ea-4db0-b799-e374171a976f" data-toc-id="286a8bc9-b8ea-4db0-b799-e374171a976f"><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-3-month-cd-rates" rel="">Best 3-Month CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="666337d98cd2671bc0c9c5b2" data-analytics-product-brand="Bask Bank" data-analytics-product-name="Bask Bank 3 Month CD" href="https://www.businessinsider.com/personal-finance/bask-cd-bridge">Bask Bank 3 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.65%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="64dfa05830323a8131c19938" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 3 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 3 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.61%</td><td colspan="1" rowspan="1" class="headline-regular">$25,000</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Brilliant Bank 3 Month CD</td><td colspan="1" rowspan="1" class="headline-regular">4.60%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr></tbody></table></div><h3 id="65bb398d-b73d-4f3d-8377-f73bfda6ca85" data-toc-id="65bb398d-b73d-4f3d-8377-f73bfda6ca85"><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-6-month-cd-rates" rel="">Best 6-Month CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="64de958b30323a8131c19928" data-analytics-product-brand="TotalBank" data-analytics-product-name="TotalBank 6 Month CD" href="https://www.businessinsider.com/personal-finance/totaldirectbank-cd-bridge">TotalBank 6 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.61%</td><td colspan="1" rowspan="1" class="headline-regular">$25,000</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">First Tech Federal Credit Union 6 Month CD</td><td colspan="1" rowspan="1" class="headline-regular">4.60%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66c3aebcfe616fb0e816f6da" data-analytics-product-brand="CIBC Agility" data-analytics-product-name="CIBC Agility 6 Month CD" href="https://www.businessinsider.com/personal-finance/cibc-bank-cd-bridge">CIBC Agility 6 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.51%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr></tbody></table></div><h3 id="b2bc1903-0196-4070-8859-52f4c8003d73" data-toc-id="b2bc1903-0196-4070-8859-52f4c8003d73"><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-1-year-cd-rates" rel="">Best 1-Year CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66843fc9df8a99ad33141839" data-analytics-product-brand="EagleBank" data-analytics-product-name="EagleBank 12 Month CD" href="https://www.businessinsider.com/personal-finance/eaglebank-cd-bridge">EagleBank 12 Month CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.60%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="650a0ea0e09c184899e3d1d1" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 1 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 1 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.50%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67326097c547fe725bdffbd7" data-analytics-product-brand="Securityplus Federal Credit Union" data-analytics-product-name="Securityplus Federal Credit Union 1 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/securityplus-federal-credit-union-review">Securityplus Federal Credit Union 1 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.50%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr></tbody></table></div><h3 id="8d27a09e-110e-4e82-99e4-d38e49d2da28" data-toc-id="8d27a09e-110e-4e82-99e4-d38e49d2da28"><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-18-month-cd-rates" rel="">Best 18-Month CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65b94ae1e2a36adb9330b956" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 18 Month Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 18 Month Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.40%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67362f4d74d4bf27b303cb7f" data-analytics-product-brand="Dow Credit Union" data-analytics-product-name="Dow Credit Union 18 Month Simple CD" href="https://www.businessinsider.com/personal-finance/dow-credit-union-cd-bridge">Dow Credit Union 18 Month Simple CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.35%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="64c9239924a91a15ce1c2a0d" data-analytics-product-brand="Signature Federal Credit Union" data-analytics-product-name="Signature Federal Credit Union 18 Month Certificate" href="https://www.businessinsider.com/personal-finance/signature-federal-cd-bridge">Signature Federal Credit Union 18 Month Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.30%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr></tbody></table></div><h3 id="eeb7a59f-40f2-4124-8d7e-111f9c7389a9" data-toc-id="eeb7a59f-40f2-4124-8d7e-111f9c7389a9"><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-2-year-cd-rates" rel="">Best 2-Year CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65cd363fa567cc19c09f5419" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 2 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 2 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.35%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="6442b1ae9bca6000112d194f" data-analytics-product-brand="Signature Federal Credit Union" data-analytics-product-name="Signature Federal Credit Union 2 Year Certificate" href="https://www.businessinsider.com/personal-finance/signature-federal-cd-bridge">Signature Federal Credit Union 2 Year Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.20%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67473f28a1ca422f7d53b893" data-analytics-product-brand="Dow Credit Union" data-analytics-product-name="Dow Credit Union 2 Year Simple CD" href="https://www.businessinsider.com/personal-finance/dow-credit-union-cd-bridge">Dow Credit Union 2 Year Simple CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.20%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr></tbody></table></div><h3 id="f78ddd40-72fa-4f5a-b915-d873740fb2fe" data-toc-id="f78ddd40-72fa-4f5a-b915-d873740fb2fe"><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-3-year-cd-rates" rel="">Best 3-Year CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66c4f22eaa4990e75ab1f591" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 3 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 3 Year Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.15%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65c102928a4a2a575ea93c95" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 3 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 3 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.11%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="63efd4669bca6000112c9427" data-analytics-product-brand="Popular Direct" data-analytics-product-name="Popular Direct 3 Year CD" href="https://www.businessinsider.com/personal-finance/popular-direct-cd-bridge">Popular Direct 3 Year CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.10%</td><td colspan="1" rowspan="1" class="headline-regular">$10,000</td></tr></tbody></table></div><h3 id="25bb867c-d259-4147-9456-d89ecadd8128" data-toc-id="25bb867c-d259-4147-9456-d89ecadd8128">Best 4-Year CD Rates</h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67364c9797e172c2527cbea6" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 4 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 4 Year Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.20%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="66198b6c39a970aad1b33332" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 4 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 4 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.11%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="63efd4797f56a4001102d54c" data-analytics-product-brand="Popular Direct" data-analytics-product-name="Popular Direct 4 Year CD" href="https://www.businessinsider.com/personal-finance/popular-direct-cd-bridge">Popular Direct 4 Year CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.05%</td><td colspan="1" rowspan="1" class="headline-regular">$10,000</td></tr></tbody></table></div><h3 id="6515a9c3-8965-4df0-9277-bcbe04719e0a" data-toc-id="6515a9c3-8965-4df0-9277-bcbe04719e0a"><a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/banking/best-5-year-cd-rates" rel="">Best 5-Year CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65d8db1fdaea20ede3297611" data-analytics-product-brand="America First Credit Union" data-analytics-product-name="America First Credit Union 5 Year Certificate" href="https://www.businessinsider.com/personal-finance/america-first-cd-bridge">America First Credit Union 5 Year Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.25%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="63acb987f8ab1f0011eb1f26" data-analytics-product-brand="Synchrony" data-analytics-product-name="Synchrony 5 Year CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=d14ad67adc15386df48255b91ea8e8b66e21067f9657cd020109ae87875344cb&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dsynchrony-cd" data-am-orig-url="https://affiliate.insider.com/?h=d14ad67adc15386df48255b91ea8e8b66e21067f9657cd020109ae87875344cb&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dsynchrony-cd">Synchrony 5 Year CD</a></td><td colspan="1" rowspan="1" class="headline-regular">4.15%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="67473dfda1ca422f7d53b892" data-analytics-product-brand="Credit Human" data-analytics-product-name="Credit Human 5 Year Share Certificate" href="https://www.businessinsider.com/personal-finance/credit-human-cd-bridge">Credit Human 5 Year Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">4.11%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr></tbody></table></div><h3 id="ea14c262-b4b9-483a-beb3-d09c0ddd4093" data-toc-id="ea14c262-b4b9-483a-beb3-d09c0ddd4093"><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-no-penalty-cds" rel="">Best No-Penalty CD Rates</a></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="673e318124da8c1b3b317a49" data-analytics-product-brand="Raisin" data-analytics-product-name="OptimumBank 5 Month No Penalty CD" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/2b756c9e-a326-4a4c-80d3-ded521d87e2b">OptimumBank 5 Month No Penalty CD, powered by Raisin</a></td><td colspan="1" rowspan="1" class="headline-regular">4.35%</td><td colspan="1" rowspan="1" class="headline-regular">$1</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Climate First Bank 6 Month No Penalty CD</td><td colspan="1" rowspan="1" class="headline-regular">4.34%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Farmers Insurance Federal Credit Union No-Penalty Share Certificate</td><td colspan="1" rowspan="1" class="headline-regular">4.25%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr></tbody></table></div><h3 id="c162c9dc-2663-4b8f-828c-288f0656ab30" data-toc-id="c162c9dc-2663-4b8f-828c-288f0656ab30"><strong>Best Rates for No Opening Deposit</strong></h3><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="5ebdb8d9aee6a8271650ee76" data-analytics-product-brand="Synchrony" data-analytics-product-name="Synchrony Bank CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=d14ad67adc15386df48255b91ea8e8b66e21067f9657cd020109ae87875344cb&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dsynchrony-cd" data-am-orig-url="https://affiliate.insider.com/?h=d14ad67adc15386df48255b91ea8e8b66e21067f9657cd020109ae87875344cb&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dsynchrony-cd">Synchrony Bank CD</a></td><td colspan="1" rowspan="1" class="headline-regular">0.25% to 4.35%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="5f3ee5413f7370112c35da26" data-analytics-product-brand="Barclays" data-analytics-product-name="Barclays Online CD" href="https://www.businessinsider.com/personal-finance/barclays-bank-review">Barclays Online CD</a></td><td colspan="1" rowspan="1" class="headline-regular">0.10% to 4.10%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="64e76bd60fca4c6e5f55b080" data-analytics-product-brand="BMO Alto" data-analytics-product-name="BMO Alto High Yield CD" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=86554bbd58e4e8db501edd8d09f2dc8546e7601012e1fb1339cd8cd8fc1f5e6f&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dbmo-harris-bank-cd" data-am-orig-url="https://affiliate.insider.com/?h=86554bbd58e4e8db501edd8d09f2dc8546e7601012e1fb1339cd8cd8fc1f5e6f&u=https%3A%2F%2Ffiona.com%2Fpartner%2Finsidercd%2Fsavings%3Fbridge_partner%3Dbmo-harris-bank-cd">BMO Alto High Yield CD</a></td><td colspan="1" rowspan="1" class="headline-regular">3.70% to 4.10%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="5ebdc27d1918242838139464" data-analytics-product-brand="Ally" data-analytics-product-name="Ally High Yield CD" href="https://www.businessinsider.com/personal-finance/ally-cd-bridge">Ally High Yield CD</a></td><td colspan="1" rowspan="1" class="headline-regular">2.90% to 4.05%</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr></tbody></table></div><h3 id="1fbe6977-af38-44b4-8e62-2ac2d101909f" data-toc-id="1fbe6977-af38-44b4-8e62-2ac2d101909f"><strong>Best Rates for Other CD Terms</strong></h3><div class="horizontal-scroll"><table style="min-width: 100px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">CD account</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Term(s)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Annual Percentage Yield (APY)</strong></td><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Minimum opening deposit</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">California Coast Credit Union Celebration Certificate</td><td colspan="1" rowspan="1" class="headline-regular">5 months</td><td colspan="1" rowspan="1" class="headline-regular">9.50%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Genisys Credit Union 7-Month Savings Certificate Special</td><td colspan="1" rowspan="1" class="headline-regular">7 months</td><td colspan="1" rowspan="1" class="headline-regular">4.73%</td><td colspan="1" rowspan="1" class="headline-regular">$500</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Brilliant Bank 9 Month CD</td><td colspan="1" rowspan="1" class="headline-regular">9 months</td><td colspan="1" rowspan="1" class="headline-regular">4.55%</td><td colspan="1" rowspan="1" class="headline-regular">$1,000</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="64835c1456fbea0018600f54" data-analytics-product-brand="NASA Federal Credit Union" data-analytics-product-name="NASA Federal Credit Union 9 Month Share Certificate" href="https://www.businessinsider.com/personal-finance/nasa-fcu-cd-bridge">NASA Federal Credit Union 9 Month Share Certificate</a></td><td colspan="1" rowspan="1" class="headline-regular">9 months</td><td colspan="1" rowspan="1" class="headline-regular">4.54%</td><td colspan="1" rowspan="1" class="headline-regular">$10,000</td></tr></tbody></table></div><h2 id="types-of-certificates-of-deposit" data-toc-id="cd518da9-c463-48b3-8a22-f0cc187249d5" data-toc-label="Types of Certificates of Deposit" class="toc-anchor">Types of Certificates of Deposit</h2><p>Locking your money into an account in exchange for a higher interest rate can be a big decision. Here's what you need to know about common CD terms.</p><h3 id="0814f574-0ab8-408d-877a-d33939584ff1" data-toc-id="0814f574-0ab8-408d-877a-d33939584ff1">No-Penalty CDs</h3><p>Most CDs charge you a fee if you need to withdraw money from your account before the term ends. But with a no-penalty CD, you won't have to pay an early withdrawal penalty. The best no-penalty CDs will offer rates slightly higher than the <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-analytics-product-module="body_link" rel="">best high-yield savings accounts</a> and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts.</p><p>However, there may be other reasons for wanting to open a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/no-penalty-cd-vs-savings-account" data-analytics-product-module="body_link" rel="">savings account versus a no-penalty CD</a>. Carefully review both accounts and see which is a better fit for reaching your needs.</p><h3 id="bc0aba0e-648d-4102-85f5-1c02aaaf377e" data-toc-id="bc0aba0e-648d-4102-85f5-1c02aaaf377e">6-Month CDs</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-6-month-cd-rates" data-analytics-product-module="body_link" rel="">best 6-month CDs</a> are offering interest rates around 5%. Six-month CDs are best for those who are looking for elevated rates on their savings for short-term gains, but are uncomfortable having limited access to their cash in the long term.</p><p>These can be a good option for those who may just be getting started with saving, or who don't have a large <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-an-emergency-fund" data-analytics-product-module="body_link" rel="">emergency fund</a> for unexpected expenses.</p><h3 id="45b92fdf-2a2d-4480-928c-9a4afaeb7054" data-toc-id="45b92fdf-2a2d-4480-928c-9a4afaeb7054">1-Year CDs</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-1-year-cd-rates" data-analytics-product-module="body_link" rel="">best 1-year CDs</a> also offer around 5%, and are a popular option for many investors.</p><p>A 1-year term can be an attractive option for someone building a CD ladder, or for someone who has a reasonable cash safety net but is still concerned about long-term expenses. Financial planners often recommend this <a target="_blank" href="https://www.businessinsider.com/cd-rates-drop-soon-financial-planner-strategy-2024-8" data-analytics-product-module="body_link" rel="">CD strategy</a> of laddering several terms so that you have additional flexibility while still being able to lock in higher rates.</p><h3 id="709bb10c-fa98-49f8-8f89-b412a8784031" data-toc-id="709bb10c-fa98-49f8-8f89-b412a8784031">2-Year CDs</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-2-year-cd-rates" data-analytics-product-module="body_link" rel="">best 2-year CD rates</a> will be slightly lower than 1-year and no-penalty CD rates. In exchange for a longer lock-in period, investors receive a long-term commitment for a specific rate. These are best used as part of a CD ladder strategy, or for those worried about a declining rate market in the foreseeable future.</p><h3 id="9827f49c-30c1-492d-8fe2-3306689fea58" data-toc-id="9827f49c-30c1-492d-8fe2-3306689fea58">3-Year CDs</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-3-year-cd-rates" data-analytics-product-module="body_link" rel="">best 3-year CDs</a> tend to have rates that are comparable to 2-year CDs. These are usually less popular for your average investor, but can be an important lever when diversifying investments and hedging against the risk of unfavorable rate markets in the long term.</p><h3 id="2dad047c-c908-4bf8-958d-19c62330da57" data-toc-id="2dad047c-c908-4bf8-958d-19c62330da57">5-Year CDs</h3><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-5-year-cd-rates" data-analytics-product-module="body_link" rel="">best 5-year CDs</a> will offer lower rates than the other terms on our list, but are still popular options for investors. These CDs are best for those looking to lock in high rates for the long term. CDs are generally viewed as safe investment vehicles, and securing a favorable rate can yield considerable earnings in year three and beyond — even if rates fall elsewhere.</p><h3 id="fca9d122-9747-45d3-a7d1-20b30773e23f" data-toc-id="fca9d122-9747-45d3-a7d1-20b30773e23f">Jumbo CDs</h3><p>A <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-jumbo-cd-rates" data-analytics-product-module="body_link" rel="">jumbo CD</a> is a type of CD with a much higher minimum opening deposit than the average traditional CD. In exchange, jumbo CDs usually offer better rates than you would find with traditional CDs. If you have a lot of money to put in a CD, jumbo CDs might be a good choice for you.</p><h3 id="ec1b53be-5adf-4387-a048-748d32ddf254" data-toc-id="ec1b53be-5adf-4387-a048-748d32ddf254">Bump-Up CDs</h3><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bump-up-cd" data-analytics-product-module="body_link" rel="">Bump-up CDs</a> are a type of CD that lets you raise your CD rate once during the term length if your financial institution's rates go up. These are also sometimes called bump-rate CDs or raise-your-rate CDs. Some banks and credit unions let you raise your rate more than once, so if that's something you're interested in, you should check with your financial institution before you open the CD.</p><h3 id="cf1a0567-0c71-416a-989c-10f30d236a2b" data-toc-id="cf1a0567-0c71-416a-989c-10f30d236a2b">Step-Up CDs</h3><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/step-up-cd" data-analytics-product-module="body_link" rel="">Step-up CDs</a> are similar to bump-up CDs in that their special features center around raising the interest rate you get on your CD. However, step-up CD rates are locked in when you open the CD; you'll know exactly when your rate will raise, and by how much, when you open the CD.</p><p>For example, an 18-month step-up CD might start at 1% APY, or <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-apy" data-analytics-product-module="body_link" rel="">annual percentage yield</a>, raise to 1.5% APY after 6 months, and raise to 2% APY after a year. These rate raises aren't dependent on market fluctuations like bump-up CDs are.</p><h3 id="1054c908-dfa9-4aa6-b0f6-f5a9d72f3823" data-toc-id="1054c908-dfa9-4aa6-b0f6-f5a9d72f3823">IRA CDs</h3><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/ira-cd-rates" data-analytics-product-module="body_link" rel="">IRA CDs</a> are a type of retirement account. They work just like traditional CDs, but they have different rules when it comes to the taxes you pay and the way you withdraw money. IRA CDs can be traditional IRAs, which defer the taxes you pay on your money until you're ready to withdraw it, or Roth IRAs, which you pay taxes on up-front but are otherwise tax-exempt if you withdraw your money when you're retirement age.</p><p>You'll have to pay early withdrawal fees on any money you withdraw from IRA CDs before their term lengths are up. But depending on how old you are and what type of IRA it is, you might have to also pay taxes and penalties on what you withdraw. If you have a non-IRA CD, you'll need to pay taxes on the interest your CDs make each year. As long as you aren't withdrawing money from your early, you won't have to pay taxes yearly on your IRA CDs.</p><h2 id="what-makes-a-cd-the-best" data-toc-id="5eeafae8-c3ed-4b61-af18-e9f6020d39e4" data-toc-label="What Makes a CD the Best" class="toc-anchor">What Makes a CD the 'Best'?</h2><h3 id="5e2b34d8-bf69-4db4-978d-03890cdda2cc" data-toc-id="5e2b34d8-bf69-4db4-978d-03890cdda2cc">Highest Interest Rates</h3><p>When opening a CD, one of the most important things to consider is the interest rate. CD rates are impacted by the Federal Reserve's decisions. As a result of the Fed's latest rate cuts, CD rates have been declining. There are still a few <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/5-percent-certificate-of-deposit-cd" data-analytics-product-module="body_link" rel="">CDs offering 5% interest</a>.</p><p>Keep in mind it's also likely that CD rates will drop in the future. Notably, there's less room for <a target="_blank" href="https://www.businessinsider.com/long-term-cd-rates-drop-soon-2024-8" data-analytics-product-module="body_link" rel="">long-term CD rates when rates decline</a> since accounts offer around 4% APY, while short-term CDs are still paying around 5% APY.</p><h3 id="e0c7d932-8619-4f24-9cb7-bdaf57aaf18d" data-toc-id="e0c7d932-8619-4f24-9cb7-bdaf57aaf18d">Favorable Terms</h3><p>While the interest rate is important, you'll also want to make sure other aspects of the CD fit your needs, too. Consider whether you want a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/short-term-cd-rates" data-analytics-product-module="body_link" rel="">short-term CD vs. a long-term CD</a> and act accordingly; you don't want to end up hit by early withdrawal penalties because you took out a CD with a too-long term length, and you don't want to miss out on savings because you took out a short-term CD and interest rates dropped.</p><p>You'll also want to consider types of CDs, too. If you're interested in the best CD rates for seniors, for example, you might want to look for CDs that give better interest rates for senior citizens. And if you're interested in planning for retirement, you might want to consider IRA CDs over traditional CDs.</p><h3 id="51612106-15ac-476a-9bf0-c4679c981838" data-toc-id="51612106-15ac-476a-9bf0-c4679c981838">Safety and Insurance</h3><p>Make sure that the bank or credit union is FDIC- or NCUA-insured before putting money in a financial institution. FDIC insurance keeps your money safe in banks up to $250,000 per person, per account type. NCUA insurance works similarly but is only for credit unions.</p><h2 id="other-factors-to-consider" data-toc-id="82fc2a32-3760-4058-bc3c-3da08f7a24a5" data-toc-label="Other Factors to Consider" class="toc-anchor">Factors to Consider Beyond Just the Rate</h2><h3 id="16d548e9-c0d2-4ebc-867d-56b791aa6e10" data-toc-id="16d548e9-c0d2-4ebc-867d-56b791aa6e10">Minimum Deposit Requirements</h3><p>If you have a limited amount of money to put in a CD, you'll want to check what the minimum opening deposit is for the CD. A minimum opening deposit of $1,000 is fairly standard, but you can find CDs that permit a deposit of $0 upfront. If you're looking to open a much larger CD, jumbo CDs usually have minimum opening deposits that are far higher than those for standard CDs. </p><p>If you're not certain <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/certificate-of-deposit-typical-minimum-balance" data-analytics-product-module="body_link" rel="">how much money to deposit into a CD</a>, think about what you're saving money for and create a savings goal that can help make this idea more tangible. Setting up a timeline can also help you determine how much you'll need to deposit upfront to reach your end goal. </p><h3 id="3de3226d-38a6-4e55-be30-75c43c7678b1" data-toc-id="3de3226d-38a6-4e55-be30-75c43c7678b1">Early Withdrawal Penalties</h3><p>If you aren't sure whether you can keep money in a CD for its entire term length, you'll want to check what early withdrawal penalties your CD charges. This generally takes the form of deducting a certain amount of interest from your account, such as 90 days' interest for a 6-month CD. A <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/what-is-compound-interest" data-analytics-product-module="body_link" rel="">compound interest calculator</a> can help you figure out exactly how much this is for your CD.</p><p>If you want to be able to withdraw money without incurring these penalties, you'll probably want to go for a <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-no-penalty-cds" data-analytics-product-module="body_link" rel="">no-penalty CD</a>. No-penalty CDs let you withdraw your money without penalty in exchange for generally slightly lower interest rates.</p><h3 id="3ed106a2-f799-4adb-a317-769bf3fbf24a" data-toc-id="3ed106a2-f799-4adb-a317-769bf3fbf24a">Account Fees</h3><p>Some bank accounts come with monthly service fees, which will automatically deduct a small fee from your account each month. Luckily, you generally don't have to worry about these for CDs; they're more commonly found on checking accounts, <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-analytics-product-module="body_link" rel="">money market accounts</a>, and traditional savings accounts. However, you should always check before opening a CD to make sure there aren't any fees associated with the account.</p><h3 id="9d1279c0-9d28-4307-9ad6-4d7c1d894404" data-toc-id="9d1279c0-9d28-4307-9ad6-4d7c1d894404">Bank/Credit Union Reputation</h3><p>It's important to make sure the financial institution you open a CD with is trustworthy and safe. Before opening a CD with a bank or <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" data-analytics-product-module="body_link" rel="">credit union</a>, check their BBB page, see if they've been involved in any recent lawsuits, and research whether they've had any recent data breaches.</p><p>You might also want to consider banking with an <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-environmentally-friendly-banks" data-analytics-product-module="body_link" rel="">eco-friendly bank</a>, a minority depository institution, or a community development financial institution. These banks use the money you put in your accounts to help the environment and underserved populations.</p><h3 id="bfe2f7ec-e022-4725-8fe6-d4d3d8347221" data-toc-id="bfe2f7ec-e022-4725-8fe6-d4d3d8347221">CD Auto-Renewal</h3><p>Generally, your CDs will auto-renew at the end of the term length, giving you a short window when the original CD closes to choose not to renew. There are a few things to look out for with CD auto-renewal. If interest rates have changed since you opened the original CD, your new CD with have the updated interest rate. If interest rates have fallen, you'll probably want to close out your CD instead of auto-renewing. Additionally, many promotional CDs with auto-renew into one of the bank's standard CDs with much worse interest rates. Make sure you understand what your CD will renew into at the end of the term length so you can take appropriate action.</p><h3 id="3d2a64b9-91aa-4fc9-8c01-3f8a6fb7fff2" data-toc-id="3d2a64b9-91aa-4fc9-8c01-3f8a6fb7fff2">CD Taxation</h3><p>Just like any interest-bearing account, you'll be taxed on the interest income you earn from your CD. If you have a CD, you'll need to fill out a 1099-INT form when you file your taxes with the IRS. If you have a traditional IRA CD that you withdraw from early, you'll need to pay taxes on everything you withdraw since traditional IRAs are a before-tax account. This tax is in addition to whatever CD early withdrawal penalties you have to pay. <a target="_blank" href="https://www.businessinsider.com/personal-finance/taxes/what-is-best-tax-software" data-analytics-product-module="body_link" rel="">Tax software</a> can help make sure you're filing your CD taxes correctly.</p><h2 id="comparing-cds-to-other-accounts" data-toc-id="3f09e776-e102-440d-a6e0-27a6c21aef46" data-toc-label="Comparing CDs to Other Accounts" class="toc-anchor">Comparing CDs to Other Financial Products</h2><h3 id="99a132cf-c342-42c8-b998-937b128b1a6d" data-toc-id="99a132cf-c342-42c8-b998-937b128b1a6d">CDs vs. Traditional Savings Accounts</h3><p>In general, you'll earn a much higher rate with a CD compared to traditional, brick-and-mortar savings accounts; average CD rates far outpace <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/average-savings-account-interest-rate" data-analytics-product-module="body_link" rel="">average savings account interest rates</a>. You'll also be locking in your rate; CDs come with a fixed interest rate, while savings accounts have variable interest that can change at any time. That being said, savings accounts give you much easier access to your money than CDs, and high-yield savings accounts from online financial institutions also offer great interest rates.</p><h3 id="35d8eb3e-bd84-4da1-ba5e-5fe51efdf734" data-toc-id="35d8eb3e-bd84-4da1-ba5e-5fe51efdf734">CDs vs. Money Market Accounts</h3><p>Money market accounts are like traditional savings accounts, but they usually have a tiered interest rate structure that gives you a better interest rate the more money you put in the account. They also sometimes come with checks or other ways to access the money besides <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/ach-transfer" data-analytics-product-module="body_link" rel="">ACH transfers</a> or wire transfers.</p><p>If you're planning on putting a lot of money into a money market account, its interest rate might be competitive with the interest rates CDs offer. And they're a better choice if you want easy access to your money. But high CD interest rates are easier to earn than high money market interest rates, and <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/average-money-market-interest-rate" data-analytics-product-module="body_link" rel="">average money market rates</a> are lower than average CD rates. CD interest rates are also locked in, while money market accounts have variable rates.</p><h3 id="b1119217-b384-49be-8726-4cef3911883d" data-toc-id="b1119217-b384-49be-8726-4cef3911883d">CDs vs. Bonds</h3><p>Bonds and CDs are similar in that they both offer fixed interest. While most other savings accounts have an interest rate that can change at any time, you can lock in a rate for a specific length of time with bonds and CDs. One big difference between <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/bonds-vs-cds" data-analytics-product-module="body_link" rel="">bonds vs. CDs</a> is that CDs are a banking product, while bonds are traded. CDs are federally insured through the FDIC, while bonds aren't, although you can get treasury bonds from the federal government that are similarly low-risk.</p><p>That being said, depending on market conditions, bonds might offer a higher rate than CDs. Bonds also tend to be longer-term, and some bonds, such as <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/treasury-bonds" data-analytics-product-module="body_link" rel="">treasury bonds</a>, are tax-advantaged.</p><h2 id="how-banks-come-up-with-cd-rates" data-toc-id="3e624fbb-3998-4c1f-9e37-e4924ed1b020" data-toc-label="How Banks Come Up With CD Rates" class="toc-anchor">How Banks Come Up With CD Rates</h2><p>Banks and credit unions base their CD rates on several different economic factors. One of the biggest economic factors is the Federal Reserve. The <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-reserve" data-analytics-product-module="body_link" rel="">Federal Reserve</a> is the central banking system of the U.S., and the rates it sets inform the rates that banks and credit unions set.</p><p>Since CDs have a fixed rate of return, CD rates are based on both the current <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-funds-rate" data-analytics-product-module="body_link" rel="">federal funds rate</a> and what banks and credit unions expect the federal funds rate to be in the future.</p><p>Banks and credit unions also need to stay competitive with each other to be successful, so financial institutions also base their rates on what other financial institutions are offering.</p><h2 id="securing-the-best-cd" data-toc-id="be61e1cb-c6d3-42b4-b6ef-ba3ab3224f1a" data-toc-label="Securing the Best CD" class="toc-anchor">Secure the Best CD for Your Financial Future</h2><p>When looking for where to find the best CD rates, you'll want to consider several factors, including interest rate, minimum opening deposit, <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/cd-early-withdrawal-penalties" data-analytics-product-module="body_link" rel="">early withdrawal penalties</a>, and bank safety. You'll also want to factor what banks and credit unions are accessible to you. If you know you don't enjoy online banking, you'll probably want to choose a brick-and-mortar bank or local credit union, even if their rates aren't as good as the ones in this article.</p><h2 id="best-cd-laddering-strategies" data-toc-id="876bcf4a-625c-4113-b5ce-20889f10d5a5" data-toc-label="Best CD Laddering Strategies" class="toc-anchor">Best CD Laddering Strategies</h2><p>Sometimes, opening just one CD isn't the best option for your savings. A <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/cd-ladder" data-analytics-product-module="body_link" rel="">CD ladder</a> strategy can give you more flexibility and liquidity than a regular CD while still letting you lock in a great rate for a significant amount of time.</p><p>To open a CD ladder, you just open multiple CDs with different term lengths at once. For example, if you have $120,000 you want to put in a CD, instead of putting all of that money into just one CD, you spread it across several. For example, you might open a 1-year, 2-year, and 3-year CD, putting $40,000 in each. That way, you'll have some of your money back within a year in case of an emergency, but you'll be earning a great interest rate for three years. You don't need to open these CDs at the same bank, which means you'll have more flexibility to choose CDs with the best rates or features.</p><p>CD ladders can help mitigate the risk that you'll need to withdraw your funds before the CD's term length is up. This makes it a low-risk way to diversify your portfolio. That being said, CDs won't earn you as much money on average as investments do. You'll get a guaranteed growth rate with CDs, but you'll get a higher rate overall, albeit with some amount of risk, with a <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/best-online-brokerage" data-analytics-product-module="body_link" rel="">brokerage account</a> or other investment strategy.</p><h2 id="why-you-should-trust-us" data-toc-id="3b1a4dc7-a172-4c11-8e82-8ac6c577658c" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: Experts' Advice on Choosing the Best CD</h2><p>We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best CDs to use for your money. You can read their insights at the bottom of this post.</p> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 433 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/65f30d7d3037f8e81750540e"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65f30d7d3037f8e81750540e":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":433}}" alt="PFI Banking Expert Panel (updated Mar 2024); (from left to right) Tania Brown; Roger Ma; Sophia Acevedo; Mykail James"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> BI </span> </span> </figure> <p>Here's what they had to say about CDs. (Some text may be lightly edited for clarity.)</p><p><strong>What makes a CD good or not good?</strong></p><p><strong>Mykail James, MBA, certified financial education instructor, </strong><a target="_blank" rel="noopener nofollow" href="https://www.boujiebudgets.com/" data-analytics-product-module="body_link"><strong>BoujieBudgets.com</strong></a><strong>:</strong></p><p>"You always want to look at how much money you need to start up. And then if you can continuously add money in. Also, check not just what the interest rate is, but how often they pay out interest, whether it's monthly or quarterly."</p><p><strong>How should someone choose a CD term length?</strong></p><p><strong>Roger Ma, CFP® professional and author of </strong><a target="_blank" rel="noopener nofollow sponsored noindex" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71424-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=669fab7dc87a0f57099015c0&postSlug=personal-finance%2Fbanking%2Fwho-has-the-best-cd-rates-right-now&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F"><strong>"Work Your Money, Not Your Life"</strong></a><strong>:</strong></p><p>"I would think about when you need the money and then compare that with what the prevailing CD rates are, and then what makes sense from a financial perspective, but also from your own personal timing perspective."</p><p><strong>Mykail James, CFEI:</strong></p><p>"I believe in having a plan for whatever the funds are. If it's supposed to be a house fund, and you want to wait for another two years to buy a house, that's what you should be thinking of when you want to have this money."</p><p><strong>How should someone decide whether to put their money in a high-yield savings account, money market account, or CD?</strong></p><p><strong>Tania Brown, CFP® professional and vice president of coaching strategy at </strong><a target="_blank" rel="noopener nofollow" href="https://www.ofcolor.com/" data-analytics-product-module="body_link"><strong>OfColor</strong></a><strong>:</strong></p><p>"So I guess we'll start off with how much money you want to put in and the level of transactions you want to have. If you want to have any transactions, that automatically takes out CDs. Then you're stuck between the high-yield savings and the money market account."</p><p><strong>Sophia Acevedo, banking editor, </strong><a target="_blank" rel="noopener" href="https://www.businessinsider.com/personal-finance" data-analytics-product-module="body_link"><strong>Business Insider</strong></a><strong>:</strong></p><p>"Generally, I think a high-yield savings account or money market account could be good options for an emergency fund or short-term <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/savings-goals" data-analytics-product-module="body_link" rel="">savings goals</a>. A high-yield savings account offers a higher interest rate than traditional savings accounts at brick-and-mortar banks.</p><p>"Meanwhile, money market accounts might be worth considering if you want more account accessibility — several offer paper checks, <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/atm-cards-vs-debit-cards" data-analytics-product-module="body_link" rel="">ATM cards, or debit cards</a>. CDs could be worthwhile if you don't need access to some of your money, since they have a fixed interest rate for a specific term."</p><p><strong>Methodology: How We Chose the Best CDs</strong></p><p>At Business Insider, we aim to help you make smart decisions with your money. We thoroughly research banking products with the goal of providing helpful content about personal finance.</p><p>Business Insider's personal finance team is editorially independent, which means our business team does not decide how we cover products and what we write about. You can read our <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" data-analytics-product-module="body_link">editorial standards page</a> to learn more about how we review and choose products in greater detail. </p><p>In order to choose the best CDs, we reviewed over 160 financial institutions. All banks included on our list are <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/fdic" data-analytics-product-module="body_link" rel="">FDIC</a>-insured, while credit union CDs offer insurance through NCUA. </p><p>We've selected the top CD offerings from banks and credit unions using our <a target="_blank" rel="" href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link">bank account methodology</a>. We rate bank products on a scale from one to five stars, with one star being the lowest rating and five star being the highest rating possible.</p><p>For CDs, we consider what terms are offered, along with the accounts' minimum opening deposit requirements, interest rates, fees, miscellaneous features, and early withdrawal penalties. We also consider the financial institution's customer service options, ethics, security and mobile app ratings. We score each of these features on a scale of zero to five, then calculate the weighted average to determine the account's total rating.</p><p>If two banks offered the same APY on a CD product, we considered factors like minimum deposit requirements and early withdrawal penalties. </p><h2 id="faqs" data-toc-id="0588ac7b-45be-4866-b574-956994605cc4" data-toc-label="FAQs" class="toc-anchor">Best CD FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is a certificate of deposit? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A CD, or certificate of deposit, is a time-sensitive savings account that holds your money at a fixed interest rate for a specified period of time. You can open one at almost any bank or credit union.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the highest-paying CD rate right now? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The highest-paying CD rate right now is available at California Coast Credit Union. It has 5-month celebration certificate paying 9.50% APY, but this CD special only allows a $3,000 maximum opening deposit and requires you to have another bank account with the credit union that meets certain requirements. To become a member and open a certificate, you must live, work, or go to school in San Diego or Riverside counties or be part of select employee groups.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you lose money in CDs? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can lose money in CDs if you withdraw your money before the end of the term length. You might also lose money in a CD if the financial institution you're using fails and you have more money in the account than the FDIC or NCUA covers, but that's unlikely to happen.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are the best CD rates always from online banks? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best CD rates aren't always from online banks. While online banks tend to have the best bank CD rates, there are plenty of credit unions and even a few national brick-and-mortar banks that also have good CD rates. Always make sure to check multiple financial institutions when looking for a CD.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are CDs a good investment? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Timing matters. <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/are-cds-a-good-investment" data-analytics-product-module="body_link" rel="">CDs are a good investment</a> if interest rates are currently high and/or expected to fall. The biggest benefit of a CD is your ability to lock in a fixed interest rate. If interest rates fall during the term of your CD, the APY on your CD will not be affected. Conversely, if rates are expected to rise, then it may not be a good time to put money in a CD.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are higher CD rates coming? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Higher CD rates aren't coming. In fact, the Fed cut interest rates in its September, November, and December 2024 meetings. It's expected that rates will continue to drop through 2025. The Fed's economic projections indicate that CD rates might continue to fall as far in the future as 2027.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you get 7% interest on a CD? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, you currently can't get <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/7-percent-interest-cd-certificate-of-deposit" data-analytics-product-module="body_link" rel="">7% interest on a CD</a>. However, the California Coast Credit Union Celebration Certificate is currently offering an even higher interest rate of 9.50% APY. You'll have to meet some pretty strict requirements, though, such as living in specific parts of California.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I know if a bank or credit union offering the best CDs is safe? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can know if a bank or credit union offering the best CDs is safe by checking for federal insurance. For banks, make sure they have FDIC insurance, and for credit unions, make sure they have NCUA insurance.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are CDs safe? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer"><a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/are-cds-safe" data-analytics-product-module="body_link" rel="">CDs are safe</a> because you open these accounts at federally insured financial institutions. If a bank shuts down, the FDIC will keep up to $250,000 per depositor, per ownership category secure.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do you have to pay taxes on CD interest? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/are-certificates-of-deposit-taxable" data-analytics-product-module="body_link" rel="">CDs are taxable</a>. Banks send a 1099-INT form and you report CD interest in your annual tax return.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/who-has-the-best-cd-rates-right-now-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="kit-pulliam"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" alt="A person with a shaved head and black glasses smiles at the camera. They have a dark blue collared shirt on."> <noscript> <img class="no-script" src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Kit Pulliam</div> </a> <div class="post-author_title headline-regular">Banking reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years. <span class="headline-semibold">Experience</span></span><span>In college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter.</span><span>Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.</span><span>They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.</span><span>As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.</span><span>Their work has been featured in Business Insider and MSN. They were part of the <a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a> series with Business Insider.<span class="headline-semibold">Expertise</span></span><span>Their expertise includes:</span><ul><li><span>Certificates of deposit</span></li><li><span>Savings accounts</span></li><li><span>Checking accounts</span></li><li><span>CD rates</span></li><li><span>Bank reviews</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Kit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis.</span><span>Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img class="no-script" src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/660c63753f923f7dab03dc68":{"contentType":"image/png","aspectRatioW":300,"aspectRatioH":150}}" alt="Barclays logo"> <noscript> <img class="no-script" src="https://i.insider.com/660c63753f923f7dab03dc68?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Barclays Tiered Savings </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to 4.50% APY and earn a $200 bonus when you open a new Tiered Savings account with qualifying activities (offer expires 3/8/25). <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account 11/7/2024 through 3/8/2025, fund your new Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and maintain the balance of at least $25,000 for 120 consecutive days. After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days. Offer expires 3/8/2025.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/i6e4f76aa12f" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Barclays Tiered Savings" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>*Earn 4.50% APY when you deposit at least $250 per month, earn 3.50% standard APY if minimum isn't met.</em></p> <p style="font-size:14px;"><em>**Accounts with $250,000 or less will earn 4.25% APY, accounts with over $250,000 will earn 4.50% APY . Rate are determined by balance tiers and amount deposited.</em></p> <p style="font-size:14px;"><em>***SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 12/3/24. There is no minimum balance requirement. 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