Top CD Interest Rates Today (March 20, 2025): Obtain Up to 4.40% or Greater on Periods from 3 Months to 5 Years

# Top CD Interest Rates Today (March 20, 2025): Obtain Up to 4.40% or Greater on Periods from 3 Months to 5 Years

### Key Points

* US Mountain Credit Union continues to provide the top national CD rate at 5.00%, accessible on an 18-month period.
* Rates of 4.40% or greater are obtainable across all periods, from 3 months to 5 years.
* There are 9 deals providing 4.60% or higher for periods between 6 and 18 months.
* Skyla Credit Union provides the highest 2-year rate at 4.50%, while Credit Human’s 3-year offer secures a 4.40% rate until 2028.
* Seeking longer-term safety? Consider Vibrant Credit Union’s 4-year rate of 4.40% or Transportation Federal Credit Union’s 5-year rate.
* The Federal Reserve maintained interest rates stable at yesterday’s gathering and is adopting a wait-and-see method to future rate reductions. It’s prudent to capitalize on today’s top CD rates while they persist, given the unpredictable economic forecast.

*Here are highlighted rates from our collaborators, along with specifics on our ratings of the best CDs nationwide.* What Caused SHIB To Jump 10% Today?

## Safeguard Rates of 4.50% to 5.00% Through September 2026

You can still secure a 5.00% APY with US Mountain Credit Union’s 18-month certificate, which ensures that return. Opening this CD now will protect your rate through the autumn of 2026.

The next-highest rate is 4.65% APY, presented by four competitive offers that extend their rate commitment into late 2025. Two financial institutions and two national credit unions pay this rate for periods between 5 and 7 months. Ethena Labs Bolsters Treasury Holdings with $225M BlackRock BUIDL Token Acquisition

For longer 1-year periods, Abound Credit Union recently introduced a 10-month offer ensuring a 4.60% return. Alternatively, you can obtain the same APY from Vibrant Credit Union with a 13-month period. Both will protect your rate into 2026.

Extending further into next year is Skyla Credit Union’s 21-month offer at 4.

Heres an analysis of why you might contemplate securing a Time Deposit (TD) currently, notably with percentages still appearing fairly favorable:

**Secure Profits Until 2026 (or Later!)**

At present, you can locate TDs that will maintain your yields consistent directly up to the close of 2026.

**Your Funds are Secure**

Be it a major financial institution or a more compact cooperative, your deposits are federally protected (FDIC or NCUA). This indicates the administration safeguards your funds up to $250,000 per individual, per entity, even should the financial institution or cooperative collapse.

**Consider Extended Duration: TDs That Extend into the Future**

If you desire to assure your yields far into 2027, Credit Human possesses some appealing selections. You could secure a 4.45% percentage for 18-23 months (opt for a minimum of 22 months to extend to 2027), or a 4.40% percentage for 24-35 months.

For those with a more extended outlook, there’s positive information! Vibrant Cooperative is presenting a 4-year TD at 4.40%. Transportation Federal Cooperative also features a 4.40% percentage, but for a 5-year duration, guaranteeing those yields until 2030.

**Rationale for the Present Being an Opportune Moment**

With the Central Bank conceivably decreasing interest percentages in 2025 and 2026, a more extended duration TD could be a shrewd action. The Central Bank has already diminished percentages somewhat, and further decreases are conceivable this year. While those decreases will probably reduce financial institution percentages in general, the TD percentage you secure currently is yours until the TD reaches maturity.

**TD Percentages Remain Historically Elevated**

TD percentages might not be at their absolute summit, but even with current declines, the superior TDs are still presenting genuinely robust yields.

In the month of October of the year 2023, the most favorable CD percentages climbed beyond 6%, although currently the uppermost percentages have declined to approximately 5%. To provide some background, during the early part of 2022, before the Federal Reserve commenced vigorously elevating percentages, the superior CD returns countrywide were merely 0.50% to 1.70% APY, contingent on the duration.

Currently, let’s deliberate concerning jumbo CDs. These generally necessitate a more substantial down payment and at times propose amplified percentages, but not consistently. At this moment, the prime jumbo CD percentages are realistically inferior to the optimum standard CD percentages across all durations. Consequently, it’s perpetually a sound notion to scrutinize both categories of CDs when you’re browsing. If the paramount percentage for your down payment sum is on a standard CD, merely inaugurate it with a more considerable down payment.

What about CD percentages in the year 2025? Well, last December, the Fed proclaimed its third decrease to the federal funds percentage since September, totaling a complete percentage unit. Nevertheless, in January and March of this year, the central bank governors resolved against additional decreases to the benchmark percentage.

The Fed’s trio of percentage decreases in 2024 indicate a transformation from the noteworthy percentage escalations of 2022-2023, when the committee was forcefully boosting percentages to contend with decades-elevated inflation. At its apex in 2023, the federal funds percentage ascended to its loftiest position since 2001 and remained there for virtually 14 months.

These percentage modifications are vital for savers because diminished federal funds percentages are inclined to depress the percentages that banks and credit unions are amenable to remunerate on consumer deposits. Both CD percentages and savings account percentages mirror these modifications. Crusoe Energy Changes Course From Bitcoin Production to Artificial Intelligence, Liquidates Production Unit to NYDIG

Only the future will indicate what will transpire to the federal funds percentage in 2025 and 2026, and the economic strategies of a novel Trump administration could conceivably modify the Fed’s trajectory.

Considering the fact that the Central Bank has already reduced the interest rate three times, the CD rates that you observe today are probably the best that you can find for some time. Therefore, it is a reasonable step to fix the best rate that suits your monetary schedule now.

### Daily classification of the best CD and savings accounts

### Important remark

The highest rates mentioned here are from Investopedia’s daily research among hundreds of banks and credit unions, which represent the highest rates available throughout the country. This is very different from the national average, which includes all banks offering CDs, including many large banks with very low rates. The national average is always low, but by comparing rates, you can often find the highest rates that are 5, 10 or even 15 times higher.

## How do we find the best CD rates?

Investopedia monitors rates from more than 200 banks and credit unions that offer CDs to national customers every working day. This helps us determine the daily classification of the most profitable certificates for each main term. To qualify for our list, institutions must be federally insured (FDIC for banks, NCUA for credit unions), have a minimum initial deposit of no more than $25,000 and a maximum deposit of at least $5,000.

Banks must be available in at least 40 states. Although some credit unions require donations to certain charitable organizations or associations for membership (if you do not meet other criteria, such as residence or employment), we exclude those with donation requirements of $40 or more. For more information on how we choose the best rates, read our full methodology.