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# Top CD Rates Today: Secure Elevated Yields Immediately! (Revised Feb 25, 2025)
## Main Points:
* **Leading Yield:** Mountain America Credit Union continues to be in the lead TruBit Collaborates with Morpho to Introduce DeFi Unearned Revenue in Latin America a **5.00% APY** on their 18-month CD. This is the highest yield throughout the country!
* **Shorter Duration Choices:** A few establishments propose yields of **4.60% APY or greater** for durations spanning 3 to 18 months.
* **Intermediate Duration:** Credit Human provides attractive yields on 2-3 year CDs, fluctuating from **4.40% to 4.45% APY.**
* **Extended Duration Guarantee:** Transportation Federal Credit Union is a suitable choice if you desire to guarantee a yield for a longer time, featuring **4.35% APY** on a 4-year CD and **4.40% APY** on a 5-year CD.
* **Yield Prediction:** The Federal Reserve maintained stable yields in January, and specialists anticipate possible yield decreases later in the year. **The present time is an excellent moment to guarantee a high CD yield** before they potentially diminish!
*Examine below for highlighted yields from our partners and a comprehensive listing of the best CD yields nationwide.*
## Guarantee Yields from 4.50% to 5.00% for the Upcoming Year (or Possibly Longer!)
Mountain America Credit Union’s **5.00% APY** proposal is still the prime selection, guaranteeing your yields until late summer of the coming year.
Other selections encompass Vibrant Credit Union’s 13-month CD at **4.60% APY**, guaranteeing your yield until spring 2026. Marcus by Goldman Sachs recently unveiled a **4.50% APY** yield for a 14-month CD.
In the event that you favor a shorter commitment, contemplate the eight other proposals with assured yields of **4.60% or greater** for a minimum of 3 months, including Citizens State Bank’s 7-month CD at **4.74% APY.**
### Your Funds are Secure:
Keep in mind, your funds are federally insured at all FDIC banks and NCUA credit unions. This signifies that the US government safeguards your funds up to specific limits, even in the improbable scenario of an institution collapse.
At the moment, Credit Human provides quite attractive percentages for its deposit certificates. You have the opportunity to gain a 4.40% APY on a 3-year certificate or 4.45% APY on a 2-year certificate. These represent some of the most elevated percentages that are currently obtainable.
Okay, visualize the scenario: the Federal Reserve, the primary financial institution of the United States, was anxious regarding the financial system. Consequently, what action did they undertake? They initiated a reduction in the federal funds rate – that represents the rate of interest that banks impose on one another for short-term lending. They didn’t merely diminish it slightly; they opted for an entire point! And they executed it not only once, but on three successive occasions! It all commenced in September, and by December, suddenly, an entire percentage point had vanished. They were genuinely endeavoring to invigorate the financial system by rendering borrowing more economical.
Understood! Investopedia is vigilant, carefully monitoring certificate of deposit rates from a vast collection of banks and credit unions – more than 200! They regularly revise their standings to present the highest-yielding certificates of deposit across various durations. Therefore, if you aim to amplify your gains on a CD, Investopedia serves as an excellent source to consult every day.
