Top CD Yields Today, March 18, 2025 – 9 Deals Ensure 4.60% or More, Up to 18 Months

# Top CD Yields Today, March 18, 2025 – 9 Deals Ensure 4.60% or More, Up to 18 Months

### Main Points

* The country’s leading 5.00% CD is remaining constant today. This 18-month deal from Mountain America Credit Union allows you to secure this yield until mid-September of next year.
* Eight additional deals ensure yields of 4.60%, for durations ranging from 3 months to 18 months.
* Skyla Credit Union provides the highest 2-year yield at 4.50%, while Credit Human’s 3-year deal secures 4.40% until 2028.
* Searching for an even more extended yield lock? Consider Vibrant Credit Union’s 4-year yield of 4.40%, or Transportation Federal Credit Union’s 5-year yield.

* The Federal Reserve is almost certain to maintain yields steady when it announces its decision on Wednesday. But with yield decreases anticipated in 2025, it’s advisable to seize one of today’s top CD yields while you still have the opportunity.

*You’ll discover featured yields from our partners below, as well as details from our ranking of the best CDs nationwide.* Cease Delaying and Explore These 5 Complimentary Tax Support Alternatives Immediately!

## You Can Ensure Yields of 4.50% to 5.00% as Far Out as September 2026

You can continue to secure a 5.00% APY with an 18-month certificate from Mountain America Credit Union, which promises to deliver that return. Opening this CD now will secure your yield until around the fall of 2026.

The next-best yield is a 4.65% APY, from four competing deals that extend their yield guarantee into late 2025. Two banks and two nationwide credit unions are paying that yield for durations of 5 to 7 months.

In the longer 1-year duration, Abound Credit Union recently launched a 4.60% return with a 10-month yield guarantee. Or you can get the same APY with a 13-month duration from Vibrant Credit Union. Both of these will ensure your yield into 2026.

Skyla Credit Union’s 21-month deal extends even further into next year, paying 4.50%, which will secure your return until around Christmas 2026. How Observers are Assessing Semiconductor Stock Before Profits

### All Institutions Insured by the Federal Government Have Equal Protection

The deposit insurance coverage is identical for everyone, regardless of whether it is a large bank or a small credit union: up to $250,000 for each depositor, for each insured bank or credit union. This indicates that your funds are protected by the U.S. government in the improbable event that an institution collapses. At any FDIC bank or NCUA credit union, your deposits are insured by the federal government.

### To Secure Rates Further Into the Future, Think About Multi-Year CDs

Anyone looking for a more extended rate lock received some encouraging news earlier in the month, with the top 4-year CD rate rising from 4.35% to 4.40%. For a period of 18–23 months, you can secure a guaranteed rate of 4.45% (to extend into the 2027 calendar year, you’ll need to select a term of at least 22 months), or you can choose 4.40% for a duration of 24–35 months. Credit Human provides a number of top choices that satisfy the requirements for a CD that will guarantee your return until at least 2027. Transportation Federal Credit Union also provides a 4.40% APY, but for a somewhat longer 5-year certificate, guaranteeing that you will earn well over 4% until 2030. This new, higher rate is offered by Vibrant Credit Union. The federal funds rate has already been reduced by a full percentage point by the central bank, and it may do so again this year. A long-term CD may now be prudent given the chance of Fed rate decreases in 2025 and 2026. Any rate decreases implemented by the Fed would put downward pressure on bank APYs, but the CD rate you obtain now will remain in effect for the duration of the term.

### Today’s Top CDs Still Provide Historically High Returns

However, despite the decline, the best CDs continue to provide outstanding returns. The best CD rates surpassed 6% in October 2023, but the current top rates have fallen to 5%. CD rates are, in fact, no longer at their highest.

Lets reminisce about the beginning of 2022, before the Federal Reserve started its forceful rate increase campaign. At that time, the *greatest* nationwide CD rates were only floating between 0.50% and 1.70%, based on the duration for which your funds were secured.

## Large-Amount CDs? Not Consistently the Optimal Option

One might assume that large-amount CDs, given their elevated deposit prerequisites, would naturally present superior rates. But surprisingly! Presently, the leading large-amount CD rates are, in reality, lagging behind the finest rates obtainable on standard CDs throughout all durations. Consequently, astute savers ought to consistently explore and evaluate both varieties. Should a standard CD yield the most advantageous return for your preferred deposit sum, simply proceed and initiate it with a more substantial deposit.

## What Does 2025 Hold for CD Rates?

Last December, the Fed indicated a change by declaring its third successive rate reduction, totaling a complete percentage point from September. Nevertheless, in January, central bank representatives applied the brakes, maintaining the benchmark rate constant, at a minimum, until their March gathering.

These three rate decreases in 2024 signify a noteworthy shift from the Fed’s unprecedented rate escalations in 2022 and 2023, when the committee was intensely combating inflation levels unseen in decades. At its apex in 2023, the federal funds rate ascended to grades not witnessed since 2001 – and remained there for almost 14 months.

Even though inflation displayed some indications of easing in February, it persists obstinately above the Fed’s 2% objective. This implies the Fed will probably advance with rate cuts progressively. As of this composition, according to the CME Group’s FedWatch Tool, interest rate futures dealers are wagering there’s an enormous 99% likelihood the Fed will sustain rates steady at the meeting concluding on Wednesday.

These Fed rate adjustments matter considerably for savers, since diminished federal funds rates tend to exert downward force on the interest rates banks and credit unions are disposed to provide on your deposits.”

The federal funds rate fluctuations impact both deposit rates and savings account interest yields.

Investopedia monitors interest rate information daily from over 200 banks and credit unions across the country that provide deposit services to clients in order to locate the highest-yielding certificates for each major term. Institutions must have federal insurance to be considered for our lists (banks are insured by the Federal Deposit Insurance Corporation (FDIC), while credit unions are insured by the National Credit Union Administration (NCUA)), the minimum initial deposit cannot be more than $25,000, and any specified maximum deposit must be at least $5,000.

It is important to remember that the highest rates mentioned here are those that Investopedia has discovered in its daily analysis of interest rates at hundreds of banks and credit unions across the country. This differs significantly from the national average, which includes all banks that offer that type of deposit, including numerous large banks that pay very little interest. As a result, the national average is consistently low, and the highest rates you can find by comparison are frequently five, ten, or even fifteen times higher. Banks must be present in at least 40 states. While some credit unions need you to contribute to a certain charity or organization to become a member (if you do not fulfill other eligibility requirements, such as residing in a specific location or working in a specific profession), we do not include credit unions with donation requirements of $40 or more. Please see our complete methodology for more information on how we choose the best rates. Dogecoin Plunge Incites Anxieties Regarding Social Security Handover: Democrats Issue Warning!

It remains to be seen what the federal funds rate will be in 2025 and 2026, as well as how the new Trump administration’s economic policies will influence the Fed’s decisions. However, given that the Fed has already reduced interest rates three times, current deposit rates are expected to be the best for the foreseeable future. As a result, it is prudent to secure the rate that best meets your financial goals now.

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