Top CD Yields Currently (March 3, 2025): Two-Year Yields Reach New Peak

# Top CD Yields Currently (March 3, 2025): Two-Year Yields Reach New Peak

### Main Ideas

* Top two-year CD yields across the country rose today, with Skyla Credit Union providing a new yield of 4.50% APY.
* The best overall offer stays at Mountain America Credit Union, providing 5.00% APY for an 18-month duration.
* Ten shorter-duration CDs provide yields between 4.60% and 4.74% for durations spanning from 3 to 17 months.
* Returns of 4.35% or greater are accessible across all CD durations, including Credit Human’s 3-year CD at 4.40% APY, and Transportation Federal Credit Union’s 4- or 5-year CDs at 4.35% to 4.40% APY.
* The Federal Reserve kept rates stable in January and is anticipated to do so again this month. However, with several rate reductions expected later this year, now is a wise time to secure today’s top CD yields.

*Below are selected yields from our collaborators, alongside details on our ratings of the best CDs nationwide.*

## Secure Yields Between 4.60% and 5.00% Before Autumn 2026

Yields have increased for some durations today. Most notably, the leading 2-year certificate yield increased from 4.45% to 4.50%. Skyla Credit Union provides this new yield for a 21-month duration. Opening this CD will secure your 4.50% yield until December 2026.

Furthermore, a new co-leader has surfaced in the 1-year duration. Vibrant Credit Union has been offering a locked-in yield of 4.60% for 13 months, but today Abound Credit Union joined, providing the same yield for a shorter 10-month duration. Both will guarantee your yield into 2026. Toncoin (TON) Value Forecast for March 26th

In the meantime, Mountain America Credit Union continues to lead the CD market, providing a guaranteed yield of 5.00% for its 18-month duration. This could lock in your returns until September of next year.

If a secure rate for 1-2 years seems excessive, there are still eight additional possibilities that assure an interest rate of 4.60% or greater for a minimum of 3 months. A prime illustration is Citizens State Bank, presenting a 7-month CD with a rate of 4.74%.

Federal Guarantees Provide Consistent Security

Whether you opt for an FDIC-insured bank or an NCUA-insured credit union, your deposits are federally safeguarded. This signifies that even in the exceedingly unlikely scenario of an institution collapsing, the US government protects you. The safeguard is also consistent: irrespective of the magnitude of the bank or credit union, the insurance encompasses up to $250,000 per depositor, per institution. TruBit Collaborates with Morpho to Introduce DeFi Unearned Revenue in Latin America

Consider Securing Rates for a Longer Duration with Multi-Year CDs

For individuals aiming to secure returns until 2027 or even further into the future, 3-year CDs are furnishing top annual percentage yields (APYs) up to 4.40%. Credit Human extends this rate for durations spanning 24 to 35 months, granting you some adaptability. Should you desire to secure rates for an even more extended period, Transportation Federal Credit Union is furnishing foremost rates for 4 and 5-year durations: 4.35% for a 4-year CD and 4.40% for a 5-year CD. These more extended durations will assure you a return well exceeding 4% until as late as 2030.

Considering that the Federal Reserve is projected to diminish interest rates in both 2025 and 2026, selecting medium to long-term CDs could be a shrewd action presently. The central bank has already decreased the federal funds rate by a complete percentage point, with anticipations for further diminutions this year. While any rate diminutions from the Fed will probably depress bank APYs, the CD rate you secure today will persist constant until its maturity date.

Today’s Foremost CDs Still Furnish Historically Robust Returns

CD rates have indeed descended from their apex. While they’ve receded somewhat, the foremost CDs still furnish outstanding returns. In October 2023, the prime CD rates briefly outstripped 6%, whereas today’s foremost rates have settled back to approximately 5%. To contextualize this, reflect back to early 2022, prior to the Federal Reserve commencing its rapid and aggressive interest rate escalating cycle.

In those days, if one desired respectable gains on their certificates of deposit across the country, they were essentially unfortunate. The remuneration percentages remained remarkably diminutive, dawdling between a minuscule 0.50% and a somewhat enhanced, yet nonetheless mediocre, 1.70% annual percentage yield, and that was entirely reliant on the duration for which one secured their funds. Furthermore, the situation was no different when examining the premier certificates of deposit within one’s own territory – the yields proved equally disheartening, confined within that identical constricted spectrum of 0.50% to 1.70% annual percentage yield, contingent upon the timeframe.

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