Today’s Best CD Rates: Secure High Yields Well Into 2026

Heres a summary of the best CD rates available today (as of March 21, 2025), highlighting deals that allow you to secure rates between 4.50% and 5% well into 2026. If you’re seeking a secure place to store your funds and obtain a guaranteed yield, now could be an opportune moment to act!

**Main Points:**

* **Leading Rate:** US Mountain Credit Union still tops the list with a **5.00% CD**. The condition? It’s for an 18-month duration.
* **Numerous Choices:** There are at least **9 distinct CDs** providing **4.60% or greater**. Durations vary from short-term (6 months) to mid-term (18 months).
* **2-3 Year Alternatives:** Skyla Credit Union offers the most favorable 2-year rate at 4.50%. If you’re considering a longer period, Genisys Credit Union provides 4.32% for a 30-month CD.
* **Even More Extended Lock-ins:** Do you desire to secure a rate for an even more extended period? Vibrant Credit Union (4 years) and Transportation Federal Credit Union (5 years) both provide 4.40%.
* **Federal Reserve Monitoring:** The Federal Reserve chose to maintain stable interest rates at their latest gathering. Considering the uncertain economic perspective, securing a favorable CD rate now could be a wise decision.

**Highlighted Rates and Prime CD Selections:**

You have the ability to secure rates ranging from 4.50% to 5.00% until September 2026.

The 18-month certificate from US Mountain Credit Union enables you to secure a 5.00% APY. Initiate this CD now, and your rate will be secured until the autumn of 2026.

The second-highest rate is 4.65% APY, and there are four competitive deals that extend the rate commitment to the close of 2025. Two banks and two national credit unions are offering this rate for durations of 5 to 7 months. Do On-Chain Measurements Herald the Cessation of Bitcoin’s Upward Trend?

Abound Credit Union recently introduced a 4.60% return for a more extended 1-year duration, providing a 10-month rate assurance. Conversely, you can obtain the same APY from Vibrant Credit Union for a 13-month duration. Both of these will assure your rate until 2026.

Skyla Credit Union’s 21-month offer extends further into the coming year at 4.50%, which will secure your return until Christmas Eve 2026.

**Crucial Reminder:** All federally insured institutions provide the same degree of protection. Your funds are secure, irrespective of which one you select.

The U.S. government fully supports your deposits in any bank covered by the Federal Deposit Insurance Corporation (FDIC) or credit union insured by the National Credit Union Administration (NCUA). This indicates that the U.S. government will protect you if one of these organizations fails, which is unlikely. The coverage is the same, up to $250,000 for each person, for each institution, regardless of the size of the bank or credit union.

## Secure Rates for the Long Term with Multi-Year CDs

Skyla Credit Union offers a 21-month CD with a 4.50% rate if you want to guarantee a return far into the future. Genisys Credit Union, meanwhile, is in the lead with a 30-month CD at 4.32%.

There’s good news for individuals seeking an even longer rate lock: the highest-yielding 4-year CD recently increased from 4.35% to 4.40%. This new, higher rate is available from Vibrant Credit Union. Transportation Federal Credit Union provides a 4.40% APY as well, but for a somewhat longer five-year period, guaranteeing that you will earn well over 4% until 2030.

Given the possibility of interest rate decreases by the Federal Reserve in 2025 and 2026, securing a long-term CD now appears to be a wise decision. The central bank has already reduced the federal funds rate by a full percentage point, with the possibility of further reductions this year. While any rate cuts by the Fed will probably lower bank APYs, the CD rate you lock in now will remain in place until maturity.

## Today’s Best CD Rates Still Provide Historically High Returns

While it is accurate that CD rates are no longer at their highest, the best CDs still provide exceptional returns. Top CD rates exceeded 6% in October 2023, but current leading rates have fallen to about 5%. It is important to note, however, that the highest yields available on the best CDs nationwide in early 2022, before the Federal Reserve began its aggressive rate-hiking campaign, were only between 0.50% and 1.70% APY, depending on the duration.

## Three-Year Certificate of Deposit Yields: A Minor Advantage Compared to Standard Certificates of Deposit

Although large-sum certificates of deposit usually require a bigger initial investment, the yield isn’t always considerably greater. Indeed, currently, the prime large-sum certificate of deposit yields only marginally surpass the leading conventional certificate of deposit yields for a three-year duration. As an illustration, you could discover a three-year large-sum certificate of deposit at a 4.34% annual percentage yield from a cooperative bank, whereas the uppermost standard yield hovers around 4.32%.

It’s a shrewd action to evaluate both kinds of certificates of deposit when you’re browsing. If a typical certificate of deposit proposes the optimum yield for the sum you desire to invest, simply proceed and initiate it with your preferred amount.

## What’s Anticipated for Certificate of Deposit Yields in 2025?

Last December, the Federal Reserve garnered attention with its third successive yield diminution, totaling a complete percentage point from September. Nevertheless, in January and March of this year, central bank authorities applied the brakes on further diminutions to the standard yield. The Rise of Ethereum Applications: The Emergence of Stablecoins Issued by Banks

Those three diminutions last year indicated a modification in the Federal Reserve’s strategy following a phase of forceful yield augmentations in 2022-2023. At that time, the Federal Reserve was combating decades-peak inflation. In 2023, the federal funds yield attained its apex since 2001 and remained there for almost 14 months.

These actions by the Federal Reserve are relevant to savers because diminished federal funds yields convert to diminished interest yields that banks and cooperative banks are inclined to disburse on consumer deposits. Certificate of deposit yields and savings account yields both generally reflect fluctuations in the federal funds yield.

The crucial query is, what will transpire to the federal funds yield in 2025 and 2026? And could a fresh administration’s economic strategies alter the Federal Reserve’s trajectory? Only the future will reveal. But with the Federal Reserve already executing those three diminutions, today’s certificate of deposit yields might be the optimum we observe for a duration. Thus, it’s a sound notion to secure a prime yield that accommodates your monetary objectives while you’re able.

### Everyday Prime Certificate of Deposit and Savings Account Selections

### Significant Aspects

It should be emphasized that the most elevated interest rates specified herein are the most elevated rates discovered across the country after Investopedia examined hundreds of banks and credit associations in its everyday rate examination. This is very disparate from the national normal interest rate, which incorporates all banks offering CDs for that term, numerous of which pay exceptionally little interest. Consequently, the national normal interest rate is continuously low, whereas the most elevated interest rates that can be found through comparison are frequently 5, 10, or indeed 15 times higher.

## How We Discover the Finest CD Rates

Each commerce day, Investopedia tracks interest rate information from more than 200 banks and credit associations that offer CDs to clients across the country and decides the everyday positioning of the highest-yielding certificates in each major term. To qualify for our list, teach must be federally guaranteed (FDIC for banks, NCUA for credit unions), the least introductory store for a CD must not surpass $25,000, and any indicated most extreme store must be no less than $5,000.

Banks must be accessible in at slightest 40 states. Whereas a few credit unions require you to contribute to a particular charity or affiliation to ended up a part, we bar credit unions with gift necessities of $40 or more in case you are doing not meet other qualification criteria (e.g., you are doing not live in a certain zone or work in a certain job). For more data on how we select the finest rates, if you don’t mind examined our full methodology. Solana (SOL) Cost Forecast and Examination