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.header{z-index:94;display:flex;flex-direction:column;width:100%;max-width:100vw;position:fixed;top:0;box-shadow:0 .125rem .375rem rgba(0,0,0,.15);background:rgba(0,0,0,.65)}.header.is-fullnav{height:100vh;overflow-x:hidden;overflow-y:scroll}.header.is-fullnav .header__nav-panel{display:block}.header.is-fullnav .header__menu-button .icon-close{display:block}.header.is-fullnav .header__menu-button .icon-menu{display:none}.header.is-searching .header-nav__list-wrapper,.header.is-searching .header__trade{display:none}@media (min-width:50em){.header.is-searching .header__menu-button-container{display:block}}@media (min-width:70em){.header.is-searching .header__menu-button-container{display:none}}.header.is-searching .header__logo-wrapper{display:none}@media (min-width:70em){.header.is-searching .header__logo-wrapper{display:block}}.header.is-searching .header__menu-top .utility-nav li:not(.utility-nav__search){display:none}.header__trade{padding:6px 10px;border-radius:3px;font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.9375rem;letter-spacing:1px;text-transform:uppercase;text-decoration:none;color:#fff;background:#333e8b}.header__trade:hover{color:#fff;background:#2c40d0}.header__menu-top{padding-right:1rem;padding-left:1rem;display:flex;align-items:center;justify-content:space-between;width:100%;height:3.25rem;background-color:#fff}@media (min-width:34em){.header__menu-top{padding-right:Max(1.5rem,calc(50% - 18.75rem));padding-left:Max(1.5rem,calc(50% - 18.75rem))}}@media (min-width:50em){.header__menu-top{padding-right:2rem;padding-left:2rem}}@media (min-width:64em){.header__menu-top{padding-right:Max(2rem,calc(50% - 38.125rem));padding-left:Max(2rem,calc(50% - 38.125rem))}}.header__menu-top .utility-nav__full-menu-item,.header__menu-top .utility-nav__search{display:none}@media (min-width:70em){.header__menu-top .utility-nav__full-menu-item,.header__menu-top .utility-nav__search{display:block}}.header__menu-top .utility-nav__subscribe{border-left:0}@media (min-width:70em){.header__menu-top .utility-nav__subscribe{display:none}}@media (min-width:50em){.header__menu-top{height:3.25rem}}@media (min-width:70em){.header__menu-top{height:auto;padding:0}}@media (min-width:34em){.header .utility-nav,.header__logo-wrapper,.header__menu-button-container{display:flex}}@media (min-width:34em){.header__menu-button-container{justify-content:flex-start}}@media (min-width:70em){.header__menu-button-container{display:none}}@media (min-width:34em){.header .utility-nav{justify-content:flex-end}}.header__menu-button{padding:0;border:0;background:unset}.header__menu-button,.header__menu-button__menu-button-inner{display:flex;align-items:center;line-height:0}.header__menu-button .icon{width:1.25rem;height:1.25rem;border:0;background:unset;fill:rgba(0,0,0,.65)}.header__menu-button .icon-close{display:none}@media (min-width:70em){.header__menu-button{display:none}}.header__logo-wrapper{flex-grow:1;justify-content:center;position:relative;top:2px;line-height:0}.header__logo-wrapper .icon{width:11rem;height:2rem}@media (min-width:70em){.header__logo-wrapper{flex-grow:0}}.header__nav-panel{display:none;width:100%;height:calc(100% - 3.75rem);padding-bottom:2rem;border-top:1px solid #d8d8d8;overflow-y:auto;background-color:#fff}@media (min-width:50em){.header__nav-panel{max-width:25rem}}@media (min-width:50em){.header--scroll-header{height:3.25rem}}@media (min-width:70em){.header--scroll-header{display:flex;align-items:center;gap:0;padding-top:0;padding-bottom:0}.header--scroll-header .header-nav{flex:1 1 auto;margin-top:0}.header--scroll-header .header-nav__list-wrapper{height:calc($header-list-item-height + ($header-list-item-offset-scroll-header * 2));margin-left:0}.header--scroll-header .header-nav__list-item{height:1.75remcalc(($header-size-md - $header-list-item-height)/ 2);margin-top:calc(($header-size-md - $header-list-item-height)/ 2)}.header--scroll-header .header-nav__sublist{max-height:calc(100vh - 3.25rem)}.header--scroll-header .navigation-links{display:none}.header--scroll-header .header__menu-top{gap:0}.header--scroll-header .header__logo-wrapper .icon-logo{width:8.7rem;height:1.5rem;margin-right:1rem}.header--scroll-header .utility-nav__full-menu-item{display:none}.header--scroll-header .utility-nav__subscribe{display:block;border-left:1px solid rgba(0,0,0,.15)}}.header--search .utility-nav__subscribe{display:none}.header--search .header__menu-top .utility-nav__search{display:block}.header--search .header__logo-wrapper{display:flex}@media (min-width:50em){.header{height:3.25rem}}@media (min-width:70em){.header{padding-right:1rem;padding-left:1rem;align-items:center;flex-direction:row;height:3.25rem;background-color:#fff;transition:height .1s}}@media (min-width:70em) and (min-width:34em){.header{padding-right:Max(1.5rem,calc(50% - 18.75rem));padding-left:Max(1.5rem,calc(50% - 18.75rem))}}@media (min-width:70em) and (min-width:50em){.header{padding-right:2rem;padding-left:2rem}}@media (min-width:70em) and (min-width:64em){.header{padding-right:Max(2rem,calc(50% - 38.125rem));padding-left:Max(2rem,calc(50% - 38.125rem))}}
.footer__logo{display:inline-block;height:1.875rem}.footer__logo .inv-logo-inverted{align-self:flex-start;width:16rem;height:1.875rem;margin:0}@media (min-width:50em){.footer__logo .inv-logo-inverted{width:20rem;height:3rem}}@media (min-width:50em){.footer__logo{height:3rem}}
.utility-nav{display:none}.utility-nav__title{display:flex;align-items:center;padding:0;border:0;background:unset}.utility-nav__list{display:flex;align-items:center;gap:1.5rem .75rem;margin-bottom:0;padding-left:1rem}.utility-nav__list>li{padding-left:.75rem}.utility-nav__list>li.utility-nav__cta-button,.utility-nav__list>li:first-child{padding-left:0;border-left:0}.utility-nav__newsletter a:visited,.utility-nav__search a:visited,.utility-nav__sweepstakes a:visited{color:initial}.utility-nav__account a,.utility-nav__account button,.utility-nav__magazine a,.utility-nav__magazine button,.utility-nav__signin a,.utility-nav__signin button{display:flex;align-items:center}.utility-nav__account a .icon-account,.utility-nav__account button .icon-account,.utility-nav__magazine a .icon-account,.utility-nav__magazine button .icon-account,.utility-nav__signin a .icon-account,.utility-nav__signin button .icon-account{fill:#2c40d0;margin-right:.25rem}.utility-nav__account .icon,.utility-nav__magazine .icon,.utility-nav__signin .icon{width:1.5rem;height:1.5rem}.utility-nav__sublist-container{z-index:1;display:none;width:13.5rem;position:absolute;left:-.125rem;box-shadow:0 .1875rem .5625rem rgba(0,0,0,.15);background-color:#fff}.utility-nav__sublist-list-item:last-child{margin-bottom:0}.utility-nav__sublist-list-item a{display:block;padding:.75rem 1rem}.utility-nav__sublist-list-item a:visited{color:initial}@media (min-width:70em){.utility-nav__sublist-list-item a:active,.utility-nav__sublist-list-item a:hover{-webkit-text-decoration-line:none;text-decoration-line:none;background-color:rgba(0,0,0,.05)}.utility-nav__sublist-list-item a:focus{outline-offset:-3px}}@media (min-width:70em){.utility-nav__account,.utility-nav__magazine{position:relative}.utility-nav__account .utility-nav__link-list,.utility-nav__magazine .utility-nav__link-list{padding:.5rem 0}.utility-nav__account .utility-nav__title:hover+.utility-nav__sublist-container,.utility-nav__account:focus-within .utility-nav__sublist-container,.utility-nav__account:hover .utility-nav__sublist-container,.utility-nav__magazine .utility-nav__title:hover+.utility-nav__sublist-container,.utility-nav__magazine:focus-within .utility-nav__sublist-container,.utility-nav__magazine:hover .utility-nav__sublist-container{display:block}}.utility-nav__cta-button a{padding:.25rem .75rem;text-transform:none}.utility-nav__cta-button a:hover{-webkit-text-decoration-line:none;text-decoration-line:none}.is-searching .utility-nav{display:flex;align-items:center;justify-content:center;width:100%}.is-searching .utility-nav__list,.is-searching .utility-nav__search{width:100%}.is-searching .utility-nav__list .general-search,.is-searching .utility-nav__search .general-search{margin:0 auto}@media (min-width:50em){.is-searching .utility-nav__list .general-search,.is-searching .utility-nav__search .general-search{margin-right:0}}@media (min-width:50em){.is-searching .utility-nav{flex-grow:1;justify-content:flex-end;width:auto}}@media (min-width:70em){.is-searching .utility-nav{align-items:flex-start}}.utility-nav .general-search__form{display:none}.utility-nav .general-search__input-group{align-items:center}.utility-nav .general-search__validation-message{width:20.25rem}.utility-nav .general-search label{margin-right:.5rem}.is-searching .utility-nav .general-search{width:100%}.is-searching .utility-nav .general-search__form{z-index:1;display:block;background:#fff}.is-searching .utility-nav .general-search__icon-button{display:none}.utility-nav .general-search__close .icon-close,.utility-nav .general-search__icon-button .icon-search{fill:rgba(0,0,0,.65)}.utility-nav .general-search__close{margin-left:1rem}@media (min-width:34em){.utility-nav{display:block}}
.general-search{z-index:1;width:100%;position:relative}.general-search.is-focus .general-search__button{display:flex}.general-search .icon-close,.general-search .icon-search{position:relative;vertical-align:middle}.general-search .icon-search{width:1.25rem;height:1.25rem}.general-search .icon-close{width:1rem;height:1rem}.general-search__search-input{display:none}.general-search__form{width:350px;position:absolute;top:50%;right:0;transform:translateY(-50%)}.general-search__form .general-search__button,.general-search__form .general-search__close{position:absolute;top:50%;transform:translateY(-50%)}.general-search__form .general-search__button{left:.5rem}.general-search__form .general-search__close{right:0}.general-search__input-group .icon-search{width:.75rem;height:.75rem}.general-search__input-group input{width:calc(100% - 1.75rem);height:2.75rem;padding:0 .75rem 0 1.5rem;outline:0;border:1px solid #333e8b;border-radius:3px}.general-search__input-group input::-moz-placeholder{color:#777}.general-search__input-group input::placeholder{color:#777}@media (min-width:34em){.general-search__input-group input{height:2.375rem}}.general-search__input-group label{display:none;padding:0}.general-search__close{padding:0;border:0;cursor:pointer;background:unset}.general-search .general-search__button{padding:0}.general-search__icon-button-container{display:flex;align-items:center}.general-search__icon-button{margin-left:auto;padding:0;outline:0;border:0;text-align:right;background:0 0}.general-search .validation-message{z-index:-1;position:absolute;top:1.25rem;right:1.75rem;left:auto}
.message-banner{display:flex;align-items:center;width:100%;padding:.75rem 1rem}.message-banner.is-input-error{width:auto;margin:0 -.25rem}.message-banner--success{background-color:#e5f2e5}.message-banner--success .icon-check-circle{fill:green}.message-banner--informational{background-color:#e6eefa}.message-banner--informational .icon-info{fill:#014ecb}.message-banner--warning{background-color:#fff5e6}.message-banner--warning .icon-warning{fill:#fe9802}.message-banner--error{background-color:#fae6e6}.message-banner--error .icon-error{fill:#c00}.message-banner__icon{flex-shrink:0;width:1.5rem;height:1.5rem}.message-banner__text{flex-grow:1;padding:0 .5rem}.message-banner__close-button{display:flex;margin:0;padding:0;border:0;background:unset}.message-banner__close-button .icon-close{fill:rgba(0,0,0,.65)}
.header-nav a{font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.9375rem;letter-spacing:1px;line-height:20px;text-transform:uppercase;text-decoration:none;color:#0d0d0d}.header-nav{display:none;background-color:#fff}.header-nav__list{display:flex;flex-wrap:wrap;margin:0;padding:0;list-style:none;background-color:#fff}.header-nav__list-wrapper{height:1.75remcalc(($header-size - $header-list-item-height)/ 2);overflow:hidden}.header-nav__list-item{display:flex;align-items:center;height:3.25rem;padding:0 1vw}.header-nav__list-item:focus-within>a,.header-nav__list-item:hover>a{border-bottom:1px solid #0d0d0d;text-decoration:none}.header-nav__list-item:focus-within .header-nav__sublist,.header-nav__list-item:hover .header-nav__sublist{display:block}.header-nav__list-item:last-child{margin-right:0}.header-nav__list-item>a{position:relative;top:2px;border-bottom:1px solid transparent}.header-nav__list-item>a:visited{color:initial}@media (min-width:1240px){.header-nav__list-item{padding:0 1rem}}.header-nav__list-item-about-us>a{white-space:nowrap}.header-nav__sublist{z-index:-1;display:none;width:13rem;max-height:calc(100vh - 3.25rem);position:absolute;top:3.25rem;margin-left:-1rem;padding:0;border-top:none;overflow-y:auto;list-style:none;box-shadow:0 .1875rem .5625rem rgba(0,0,0,.15);background:#fff}.header-nav__sublist:focus,.header-nav__sublist:hover{display:block}.header-nav__sublist::after{content:'';z-index:-1;display:block;width:100%;height:1rem;position:absolute;top:0;left:0;transform:translateY(-100%);background-color:#fff}.header-nav__sublist-item.view-all a{font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.875rem;letter-spacing:1px;text-transform:uppercase}.header-nav__sublist-item.view-all a:active,.header-nav__sublist-item.view-all a:hover{-webkit-text-decoration-line:none;text-decoration-line:none}.header-nav__sublist-item a{display:block;padding:.75rem 1rem .625rem;font-family:SourceSansPro,"Source Sans Pro-fallback",sans-serif;font-size:1.0625rem;letter-spacing:0;text-transform:capitalize}.header-nav__sublist-item a:active,.header-nav__sublist-item a:hover{-webkit-text-decoration-line:none;text-decoration-line:none;background-color:rgba(0,0,0,.05)}.header-nav__sublist-item a:focus{outline-offset:-3px}.header-nav__sublist-item a:visited{color:initial}.header-nav__subscribe-link:visited{color:initial}.header-nav .navigation-links{margin-left:auto}@media (min-width:70em){.header-nav{display:flex;align-items:center;flex:1;justify-content:center}}
.fullscreen-nav__list a{font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.9375rem;letter-spacing:1px;line-height:20px;text-transform:uppercase;text-decoration:none;color:#0d0d0d}.fullscreen-nav{position:relative}.fullscreen-nav--subnav-open{visibility:hidden;height:100%;overflow-y:hidden}.fullscreen-nav__list{margin-bottom:1.25rem;list-style:none}.fullscreen-nav__list-item>a{height:49px}.fullscreen-nav__list .fullscreen-nav__link,.fullscreen-nav__list .fullscreen-nav__title{width:100%;padding:.75rem 0;border-width:0 0 1px;border-style:solid;border-color:rgba(0,0,0,.15)}.fullscreen-nav__list li:last-child .fullscreen-nav__link,.fullscreen-nav__list li:last-child .fullscreen-nav__title{border-bottom:none}.fullscreen-nav__sublist{padding-left:0;list-style:none}.fullscreen-nav .utility-nav__sublist-container,.fullscreen-nav__sublist-container{visibility:hidden;z-index:1;width:100%;height:100%;position:absolute;top:0;left:100vw;overflow-y:scroll;background-color:#fff}.fullscreen-nav .utility-nav__sublist-back-button,.fullscreen-nav__link,.fullscreen-nav__sublist-back-button,.fullscreen-nav__title{display:flex;align-items:center;justify-content:space-between;border-radius:0;background:unset}.fullscreen-nav__title .icon-chevron_right{fill:#2c40d0}.fullscreen-nav .fullscreen-nav__title.active+.utility-nav__sublist-container,.fullscreen-nav__title.active+.fullscreen-nav__sublist-container{visibility:visible;left:0}.fullscreen-nav .utility-nav__sublist-header,.fullscreen-nav__sublist-header{display:flex;align-items:center;position:relative;left:-.5rem;margin:1.5rem 0 2rem}.fullscreen-nav__sublist-header-text{font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.9375rem;letter-spacing:1px;text-transform:uppercase;color:#333e8b}.fullscreen-nav .utility-nav__sublist-back-button,.fullscreen-nav__sublist-back-button{padding:0;border:0}.fullscreen-nav .utility-nav__sublist-list-item,.fullscreen-nav__sublist-item{margin-bottom:1rem}.fullscreen-nav .view-all.utility-nav__sublist-list-item a,.fullscreen-nav__sublist-item.view-all a{font-family:Cabin-semi-bold,Cabin-fallback,sans-serif;font-size:.9375rem;letter-spacing:1px;text-transform:uppercase}.fullscreen-nav .utility-nav__sublist-list-item a,.fullscreen-nav__sublist-item a{display:inline-block;font-family:SourceSansPro,"Source Sans Pro-fallback",sans-serif;font-size:1.125rem;letter-spacing:0;text-transform:capitalize}.fullscreen-nav .general-search{margin-top:1.5rem;margin-bottom:1.25rem}.fullscreen-nav .general-search__input-group{flex-wrap:wrap;position:relative}.fullscreen-nav .general-search__input-group input{width:100%}.fullscreen-nav .general-search__button{fill:#fff;position:absolute;top:50%;left:.5rem;transform:translateY(-50%)}.fullscreen-nav .general-search label{width:100%;margin-bottom:.3125rem}.fullscreen-nav .general-search .validation-message{width:100%;top:2.5rem;right:auto;left:0}@media (min-width:34em){.fullscreen-nav .general-search{display:none}}.fullscreen-nav .utility-nav{display:none;flex-direction:row;padding-top:2rem;padding-bottom:2rem;border-top:2px solid rgba(0,0,0,.95)}.fullscreen-nav .utility-nav li{width:100%;padding-left:0;border-left:0}.fullscreen-nav .utility-nav li:last-child{margin-bottom:0}.fullscreen-nav .utility-nav__sublist-container{display:block}.fullscreen-nav .utility-nav__sublist-list-item a{padding:0}.fullscreen-nav .utility-nav__list{align-items:flex-start;flex-direction:column;justify-content:stretch;width:100%}.fullscreen-nav .utility-nav__magazine .fullscreen-nav .utility-nav__account{position:static}.fullscreen-nav .utility-nav__magazine .fullscreen-nav .utility-nav__account a{justify-content:space-between}.fullscreen-nav .utility-nav__magazine .fullscreen-nav .utility-nav__account .utility-nav__link-list{padding:0}.fullscreen-nav .utility-nav__title{width:100%}.fullscreen-nav .utility-nav__title span{flex-grow:1;text-align:left;color:rgba(0,0,0,.95)}.fullscreen-nav .utility-nav__title.active+.utility-nav__sublist-container{visibility:visible;left:0}.fullscreen-nav .utility-nav__title .icon-chevron_right{fill:rgba(0,0,0,.65)}.fullscreen-nav .utility-nav__cta-button a{display:inline-block;width:unset}.fullscreen-nav .icon-arrow_left,.fullscreen-nav .icon-chevron_right{width:1.5rem;height:1.5rem}.fullscreen-nav .icon-arrow_left{fill:#333e8b}.fullscreen-nav .general-search,.fullscreen-nav .general-search .validation-message,.fullscreen-nav .utility-nav,.fullscreen-nav .utility-nav__sublist-container,.fullscreen-nav__list,.fullscreen-nav__sublist-container{padding-right:1rem;padding-left:1rem}@media (min-width:34em){.fullscreen-nav .general-search,.fullscreen-nav .general-search .validation-message,.fullscreen-nav .utility-nav,.fullscreen-nav .utility-nav__sublist-container,.fullscreen-nav__list,.fullscreen-nav__sublist-container{padding-right:Max(1.5rem,calc(50% - 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"text": "<p>While the national average is a good indicator of the direction of rates—and how much they've changed over a period of time—they are not what you should consider when shopping for CDs. Instead, look for the top nationally available rates, which stand far above industry averages.<\/p><p>Take one-year CDs, for instance. The current national average is just 1.36% <a href=\"https://www.investopedia.com/terms/a/apy.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">annual percentage yield (APY)<\/a>. Today's top-paying institution, however, will pay you three to four times that yield on that same one-year commitment. Similarly, compare our top three-year CD rates to the current FDIC industry average of 1.22% APY.<span class=\"ql-inline-citation\" data-cite=\"1\"><\/span><\/p><p>If you have cash, you can park for a period of time, but want to earn more than the best savings and money market accounts will net you, our research on the best nationally available rates in every major CD term can lead you to maximum returns.<\/p><p>Keep in mind that CD yields are still considered <a href=\"https://www.investopedia.com/ask/answers/020515/how-are-yields-taxed-certificate-deposit-cd.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"2\">taxable as interest income<\/a> on both the state and federal levels, which will impact the total return you can realize.<\/p>"
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"text": "<p>Opening a CD is very similar to opening any standard bank deposit account. The difference is what you're agreeing to when you sign on the dotted line (even if that signature is now digital). After you've shopped around and identified which CD(s) you'll open, completing the process will lock you into four things:<\/p><ol><li><strong>The interest rate: <\/strong>Locked rates are positive in that they provide a clear and predictable return on your deposit over a specific time period. The bank cannot later change the rate and therefore reduce your earnings. On the flip side, a fixed return may hurt you if rates later rise substantially and you've lost your opportunity to take advantage of higher-paying CDs.<\/li><li><strong>The term:<em> <\/em><\/strong>This is the length of time you agree to leave your funds deposited to avoid any penalty (e.g., 6-month CD, 1-year CD, 18-month CD, etc.) The term ends on the "maturity date," when your CD has fully matured and you can withdraw your funds penalty-free.<\/li><li><strong>The principal:<em> <\/em><\/strong>With the exception of some specialty CDs that allow add-on deposits, this is the amount you agree to deposit into the CD, at the time of opening.<\/li><li><strong>The institution:<em> <\/em><\/strong>The bank or credit union where you open your CD will determine aspects of the agreement, such as early withdrawal penalties (EWPs) and whether your CD will be automatically reinvested if you don’t provide other instructions at the time of maturity.<\/li><\/ol><p>Once your CD is established and funded, the bank or credit union will administer it like most other deposit accounts, with either monthly or quarterly statement periods, paper or electronic statements, and usually monthly or quarterly interest payments deposited to your CD balance, where the interest will compound.<\/p>"
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"text": "<p>Smart CD investors have a specific tactic for hedging against rate changes over time and maximizing their return. It's called a <a href=\"https://www.investopedia.com/terms/c/cd-ladder.asp\" data-component=\"link\" data-source=\"inlineLink\" data-type=\"internalLink\" data-ordinal=\"1\">CD ladder<\/a> and it enables you to access the higher rates offered by 5-year CD terms, but with the twist that a portion of your money becomes available every year, rather than every five years. Here's how to do it.<\/p><p>At the outset, you take the amount of money you want to invest in CDs and divide it by five. You then put one-fifth of the funds into a top-earning 1-year CD, another fifth into a top 2-year CD, another into a 3-year CD, and so forth through a 5-year CD. Let’s say you have $25,000 available. That would give you five CDs of varying length, each with a value of $5,000.<\/p><p>Then, when the first CD matures in a year, you take the resulting funds and open a top-rate 5-year CD. A year later, your initial 2-year CD will mature, and you'll invest those funds into another 5-year CD. You continue doing this every year with whichever CD is maturing, until you end up with a portfolio of five CDs all earning 5-year APYs, but with one of them maturing every 12 months, keeping your money a bit more accessible than if all of it were locked up for a full five years.<\/p>"
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"text": "<p>What makes CDs attractive as an investment vehicle is not their rate of return but their risk-free nature. When you open a CD, you know upfront exactly what interest rate you will earn and for how long. Except for some specialty CDs, the rate on your certificate is guaranteed and locked for the full duration of the certificate, meaning your return is predictable and safe.<\/p><p>Adding to their risk-free nature is the fact that CDs, like other bank and credit union deposit products, are federally insured against bank failures. Depending on the financial institution offering them, CDs are insured by either the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA).<\/p><p>CD minimums can run as low as $250 or $500, and you'll find plenty of options with minimums up to $1,000. As for durations, the majority of CDs carry terms of six months to five years, though shorter and longer certificates exist at some banks. Larger deposits and longer terms typically earn higher interest rates, though promotional certificates often break that general rule. The interest rates available on the best-paying CDs are usually in line with the current inflation rate, so virtually any rate higher than that is a good deal. Often, online banks and credit unions offer the best CD rates.<\/p>"
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When you have cash you want to save for a bit, but want to earn more than you would with a standard savings account, certificates of deposit can be a good option. To help you earn the most you can, here are the top certificate of deposit rates available from our partners, followed by our rankings on the best-paying CDs that are available to U.S. customers everywhere.
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Drawn from our continuous research on the approximately 200 banks and credit unions that offer CDs nationwide, these certificates typically pay three to five times as much as the national average—or even more. To be eligible for our rankings, each CD must have a minimum deposit requirement of $25,000 or less and be offered by an FDIC-insured bank or NCUA-insured credit union.
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<div id="mntl-sc-block_1-0-4" class="comp sc-block-iframe--datawrapper mntl-sc-block prm-sc-block-iframe mntl-sc-block-iframe mntl-block" data-webtasks-id="acd61124-8ba0-4fb7">
<iframe id="mntl-sc-block-iframe__uri_1-0" class="comp mntl-sc-block-iframe__uri mntl-block lazyloaded" allow="encrypted-media 'src'" data-src="https://datawrapper.dwcdn.net/SevZ9/3/" frameborder="0" allowfullscreen="false" title="Top national CD rates" src="https://datawrapper.dwcdn.net/SevZ9/3/" style="height: 683px;" data-webtasks-id="b8aae6e9-2572-477e"></iframe><!-- end: comp lazyload mntl-sc-block-iframe__uri mntl-block -->
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In cases where more than one institution offers the same top rate, we've prioritized CDs by the shortest term, then the CD requiring a smaller minimum deposit, and if still a tie, by which CD has a milder penalty for early withdrawal.
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<figure id="mntl-sc-block_1-0-6" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="PRM Roundup | Table Block" data-webtasks-id="e84383ae-3708-458f">
<div class="mntl-sc-block-table__table-wrapper mntl-sc-block-table__table-wrapper--no-scroll" data-webtasks-id="86777b69-93f9-4b46">
<table class="mntl-sc-block-table__table" data-webtasks-id="46da40d9-0909-481e">
<colgroup style="" span="1" data-webtasks-id="4293e50d-a8eb-4d56"></colgroup>
<colgroup style="" span="1" data-webtasks-id="ec779642-e7d8-46a8"></colgroup>
<colgroup style="" span="1" data-webtasks-id="826c3c12-8429-487c"></colgroup>
<colgroup style="" span="1" data-webtasks-id="13e49f8a-0587-4160"></colgroup>
<thead data-webtasks-id="dda02553-e77f-4f6f">
<tr data-webtasks-id="a433cc97-668a-47c5">
<th data-webtasks-id="599495d0-9538-49f7">BEST NATIONAL CDs</th>
<th data-webtasks-id="eb224d7f-b523-4645"></th>
<th data-webtasks-id="7116b1a5-4dc9-44ed"></th>
<th data-webtasks-id="b172172c-d7e0-43ae"></th>
</tr>
</thead>
<tbody data-check="0" data-webtasks-id="962dc2a5-ddfa-49eb">
<tr data-webtasks-id="7d408078-955f-43b3">
<td data-webtasks-id="a1e52597-c18f-438d"><sub data-webtasks-id="e2a1783e-d257-476b">Ranked by highest APY, then shortest term, then lowest minimum</sub></td>
<td data-webtasks-id="1b8e0c23-59f7-49e3"></td>
<td data-webtasks-id="2fde8d6e-90f3-4e8e"></td>
<td data-webtasks-id="91d4a515-cda0-4654"></td>
</tr>
<tr data-webtasks-id="19ac378c-1b24-45dd">
<td data-webtasks-id="eb345287-3e92-469d"></td>
<td data-webtasks-id="71f34c42-6b79-4c3c"></td>
<td data-webtasks-id="383d7e3f-98fb-4af2"></td>
<td data-webtasks-id="704bfbe5-fdd4-47c5"></td>
</tr>
<tr data-webtasks-id="781b42db-c947-409f">
<th data-webtasks-id="9af08740-68ea-440b">Best 3-Month CDs</th>
<th data-webtasks-id="f7a57f58-820a-4283">Rate</th>
<th data-webtasks-id="42c65c3e-4127-4086">Term</th>
<th data-webtasks-id="570cd6f0-28f7-425d">Minimum</th>
</tr>
<tr data-webtasks-id="9041821e-47e5-499b">
<td data-webtasks-id="1a88d47a-82d4-450a"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.totaldirectbank.com/personal/cds&lender=TotalDirectBank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="0b235d3e-3608-4f0f">TotalDirectBank</a></td>
<td data-webtasks-id="5444085b-531c-41c5">5.15% APY</td>
<td data-webtasks-id="297eb795-66c3-4baa">3 months</td>
<td data-webtasks-id="5f5100bc-2514-47a6">$25,000</td>
</tr>
<tr data-webtasks-id="200e3c2f-4c6c-479f">
<td data-webtasks-id="cc8c8ca5-3749-4ffd"><a href="https://www.sccfcu.org/rates/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="612eca91-ebd2-4f7f">Santa Clara County Federal Credit Union</a></td>
<td data-webtasks-id="67c499fe-6616-46ee">5.12% APY</td>
<td data-webtasks-id="bf311eca-577a-4dce">3 months</td>
<td data-webtasks-id="d8e7166c-8418-4afb">$500</td>
</tr>
<tr data-webtasks-id="137956bb-16e3-4a96">
<td data-webtasks-id="d6986607-1c8f-4a6b"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.brilliant.bank/cds/&lender=Brilliant%20Bank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="f7955d88-9118-4d26">Brilliant Bank</a></td>
<td data-webtasks-id="5785b13f-d033-4b19">5.10% APY</td>
<td data-webtasks-id="207529c0-d2ed-4c15">3 months</td>
<td data-webtasks-id="114c8e5a-3024-4c08">$1,000</td>
</tr>
<tr data-webtasks-id="a6ecd1d9-bbb8-4613">
<td data-webtasks-id="d1dfc16e-6866-4a4a">For more options, see our in-depth <a href="https://www.investopedia.com/best-3-month-cd-rates-5272288" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="2dc94209-114c-49a5">3-month CD rankings</a></td>
<td data-webtasks-id="56232d03-28a5-4584"></td>
<td data-webtasks-id="1cc28545-5afd-4c9c"></td>
<td data-webtasks-id="02c3dc1a-9474-43a4"></td>
</tr>
<tr data-webtasks-id="78b05785-7eaa-441f">
<td data-webtasks-id="285fc30a-1369-477c"></td>
<td data-webtasks-id="71a7bc1a-95e0-47d1"></td>
<td data-webtasks-id="a93e020c-4756-4b74"></td>
<td data-webtasks-id="08f0e631-5be1-4617"></td>
</tr>
<tr data-webtasks-id="8fb81968-26d6-4b21">
<th data-webtasks-id="acd899c9-dce1-4225">Best 6-Month CDs</th>
<th data-webtasks-id="adb3690d-6f0a-4946">Rate</th>
<th data-webtasks-id="e7b81764-864f-45d6">Term</th>
<th data-webtasks-id="75811e35-6c89-42dd">Minimum</th>
</tr>
<tr data-webtasks-id="a43cccd4-a581-44ff">
<td data-webtasks-id="98533c5f-b4f6-488b"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates&lender=NASA%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="05fd891f-0241-4dd0">NASA Federal Credit Union</a></td>
<td data-webtasks-id="1d84414e-fdd2-4290">5.50% APY</td>
<td data-webtasks-id="830de439-ef44-4ff2">9 months</td>
<td data-webtasks-id="7ff889d5-e611-4f7f">$10,000</td>
</tr>
<tr data-webtasks-id="05fc57c5-c67e-4836">
<td data-webtasks-id="7f061aab-6552-4aec"><a href="https://www.greatriverfcu.org/money-market-and-share-certificates/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="e13b276e-56c8-478d">Great River Federal Credit Union</a></td>
<td data-webtasks-id="79eea760-9c70-465b">5.33% APY</td>
<td data-webtasks-id="875964d5-f223-4c9e">7 months</td>
<td data-webtasks-id="bafd79e1-d022-4bca">$15,000</td>
</tr>
<tr data-webtasks-id="e3fe4464-a941-4dcd">
<td data-webtasks-id="3cfcfa12-dd36-42c7"><a href="https://www.oneamericanbank.com/personal/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="58d3b16a-6aa3-474d">One American Bank</a></td>
<td data-webtasks-id="65f7a4f6-b489-48f3">5.25% APY</td>
<td data-webtasks-id="644e9ff4-8b34-478c">5 months</td>
<td data-webtasks-id="1c65764f-87a5-4434">$5,000</td>
</tr>
<tr data-webtasks-id="44efd349-7f14-4c24">
<td data-webtasks-id="16ac8105-3217-40ac">For more options, see our in-depth <a href="https://www.investopedia.com/best-6-month-cd-rates-4783267" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="0b2d7089-f91e-49bf">6-month CD rankings</a></td>
<td data-webtasks-id="dbce5709-189d-4d33"></td>
<td data-webtasks-id="2c7a5032-9116-4764"></td>
<td data-webtasks-id="24e199dd-c627-40de"></td>
</tr>
<tr data-webtasks-id="e3fd422c-a7ef-4ab8">
<td data-webtasks-id="3d9cac49-b164-4545"></td>
<td data-webtasks-id="26ed1377-8a33-4dd0"></td>
<td data-webtasks-id="f479c0a4-2bc9-4c3e"></td>
<td data-webtasks-id="478b4cba-732e-4836"></td>
</tr>
<tr data-webtasks-id="7a9d8457-2926-4d99">
<th data-webtasks-id="1890ba5f-c258-4afc">Best 1-Year CDs</th>
<th data-webtasks-id="47ea5efe-dd1a-4170">Rate</th>
<th data-webtasks-id="4edd2de0-6e24-433b">Term</th>
<th data-webtasks-id="11810be5-f4bb-4f42">Minimum</th>
</tr>
<tr data-webtasks-id="06390899-270a-4f67">
<td data-webtasks-id="d7626249-1566-400a"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.cfg.bank/personal-banking/personal-deposit-rates/&lender=CFG%20Bank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="d3dac14e-bff9-443b">CFG Bank</a></td>
<td data-webtasks-id="d0386d1e-05db-49d0">5.28% APY</td>
<td data-webtasks-id="93b026e6-0579-485f">12 months</td>
<td data-webtasks-id="43d781e1-d448-4bf8">$500</td>
</tr>
<tr data-webtasks-id="1b5612b2-46bd-4979">
<td data-webtasks-id="a03845bc-166b-48e5"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://us.cibc.com/en/agility/certificates-of-deposit.html&lender=CIBC%20Agility&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="b8d9bce8-a760-4380">CIBC Agility</a></td>
<td data-webtasks-id="1acdc816-8122-41d2">5.27% APY</td>
<td data-webtasks-id="ee1ee4fc-e1d8-43f6">12 months</td>
<td data-webtasks-id="ca91aacf-afab-48de">$1,000</td>
</tr>
<tr data-webtasks-id="a584ec95-e890-4887">
<td data-webtasks-id="eff0dd7f-5361-45ff"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.fedchoice.org/checking-savings/share-certificates/&lender=FedChoice%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="f449ef6a-934a-4cfc">FedChoice Federal Credit Union</a></td>
<td data-webtasks-id="9e39a135-e7c6-4ef8">5.25% APY</td>
<td data-webtasks-id="c83492bb-a598-4048">11 months</td>
<td data-webtasks-id="19d23270-4c35-4f08">$500</td>
</tr>
<tr data-webtasks-id="b1f6e42b-ac38-45d1">
<td data-webtasks-id="3ddc64dd-ba7b-49a9">For more options, see our in-depth <a href="https://www.investopedia.com/best-1-year-cd-rates-4796650" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="8a102ef9-1782-4deb">1-year CD rankings</a></td>
<td data-webtasks-id="053d13af-cb90-46db"></td>
<td data-webtasks-id="bb0d8e65-099b-4b73"></td>
<td data-webtasks-id="2871f14b-b53c-4a9e"></td>
</tr>
<tr data-webtasks-id="6e142528-426d-495d">
<td data-webtasks-id="50361a13-f02e-40c1"></td>
<td data-webtasks-id="b0f8a191-f5bf-4ba3"></td>
<td data-webtasks-id="bffba3ae-ccd6-4cbf"></td>
<td data-webtasks-id="248ea334-a05d-42a4"></td>
</tr>
<tr data-webtasks-id="28bbed14-953b-4254">
<th data-webtasks-id="26cc5f4a-eb12-40a9">Best 18-Month CDs</th>
<th data-webtasks-id="a1a1e86b-034a-4636">Rate</th>
<th data-webtasks-id="23c0f923-7fb1-443e">Term</th>
<th data-webtasks-id="335106d3-615e-4050">Minimum</th>
</tr>
<tr data-webtasks-id="4ade5b45-e6d2-488a">
<td data-webtasks-id="7655f101-6189-458e"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates&lender=NASA%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="9f0688a5-4827-4770">NASA Federal Credit Union</a></td>
<td data-webtasks-id="1c4c9234-811c-4ad3">5.30% APY</td>
<td data-webtasks-id="0ad335e2-e5e0-4f1d">15 months</td>
<td data-webtasks-id="f0f3c9ec-4c1f-48b3">$10,000</td>
</tr>
<tr data-webtasks-id="47bd5f46-900d-4761">
<td data-webtasks-id="26caf8dc-689e-4c20"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.cfg.bank/personal-banking/personal-deposit-rates/&lender=CFG%20Bank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="8230cc91-41e3-4bad">CFG Bank</a></td>
<td data-webtasks-id="93d5db9f-137b-4edd">5.25% APY</td>
<td data-webtasks-id="156f5b73-8ed3-43e4">18 months</td>
<td data-webtasks-id="28219cbe-8643-46a4">$500</td>
</tr>
<tr data-webtasks-id="49476bde-416a-4e94">
<td data-webtasks-id="ae7951d2-bba4-4a4c"><a href="https://www.usalliance.org/investment-products/cd" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow noopener" target="_blank" data-webtasks-id="e3a77003-2b0a-459e">USAlliance Financial</a></td>
<td data-webtasks-id="bc3acd57-506c-453b">5.25% APY</td>
<td data-webtasks-id="8b530478-ea94-4869">18 months</td>
<td data-webtasks-id="5b94fb16-9323-409e">$500</td>
</tr>
<tr data-webtasks-id="c90e18b4-b83f-432c">
<td data-webtasks-id="07f52576-e9fa-4d53">For more options, see our in-depth <a href="https://www.investopedia.com/best-18-month-cd-rates-5272348" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="e449237d-ce0d-402e">18-month CD rankings</a></td>
<td data-webtasks-id="269bb2fa-e5c7-402e"></td>
<td data-webtasks-id="d1ff9cec-05ff-47eb"></td>
<td data-webtasks-id="6c0d2adb-a187-4209"></td>
</tr>
<tr data-webtasks-id="2f43cc2f-a84e-4afb">
<td data-webtasks-id="9a18ae8d-158f-40b3"></td>
<td data-webtasks-id="ca897a45-5119-4f86"></td>
<td data-webtasks-id="ff7c0fd6-2fee-4c12"></td>
<td data-webtasks-id="6008c7a0-a37a-4d99"></td>
</tr>
<tr data-webtasks-id="23786ba0-e366-49f9">
<th data-webtasks-id="82167cda-22b5-4bb4">Best 2-Year CDs</th>
<th data-webtasks-id="b1c0990c-48ce-4f1d">Rate</th>
<th data-webtasks-id="6c3e748e-156e-41fa">Term</th>
<th data-webtasks-id="55cea7f4-456f-46f1">Minimum</th>
</tr>
<tr data-webtasks-id="cd264903-e1bb-4cf3">
<td data-webtasks-id="d1896f56-2f59-4b14"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.summitcreditunion.com/bank/certificates&lender=Summit%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="f50d5139-5b56-4fff">Summit Credit Union</a></td>
<td data-webtasks-id="f09ef7dd-5dc2-4e6f">5.25% APY</td>
<td data-webtasks-id="43efd259-e037-4cef">22 months</td>
<td data-webtasks-id="65e8a033-6134-4308">$5,000</td>
</tr>
<tr data-webtasks-id="12a404b6-d54f-4a34">
<td data-webtasks-id="caa8c1c9-6a5e-4202"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.skylacu.com/bank/savings/certificate-of-deposit&lender=Skyla%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="efd867a0-ad94-4cb5">Skyla Credit Union</a></td>
<td data-webtasks-id="b07bbc7b-aa24-4d2a">5.25% APY</td>
<td data-webtasks-id="1cb792fe-6c48-4acd">24 months</td>
<td data-webtasks-id="31af1b5f-2026-4803">$500</td>
</tr>
<tr data-webtasks-id="259e2433-8ba0-4a2d">
<td data-webtasks-id="f9cc9dfe-6390-4f49"><a href="https://www.ussfcu.org/resources/rates.html#smart-share-certificates" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="66d588fd-fb4b-40dc">U.S. Senate Federal Credit Union</a></td>
<td data-webtasks-id="77f9894f-bea8-4924">5.18% APY</td>
<td data-webtasks-id="eefd702d-e8ec-414a">24 months</td>
<td data-webtasks-id="c71b4e48-8a7d-4216">$1,000</td>
</tr>
<tr data-webtasks-id="f375ad2f-aeb5-4d64">
<td data-webtasks-id="2b5fe286-1d2c-4cb9">For more options, see our in-depth <a href="https://www.investopedia.com/best-2-year-cd-rates-4801682" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="357dca2a-0907-4968">2-year CD rankings</a></td>
<td data-webtasks-id="10d5e049-3bc2-425f"></td>
<td data-webtasks-id="a1f9c6e6-5a8c-490e"></td>
<td data-webtasks-id="d0a23463-53d2-45b5"></td>
</tr>
<tr data-webtasks-id="79f8eca8-c053-4c7b">
<td data-webtasks-id="a3711485-90be-415e"></td>
<td data-webtasks-id="b6d30498-92f5-48e3"></td>
<td data-webtasks-id="8d0f888e-fdba-447e"></td>
<td data-webtasks-id="abdc99be-ed41-42e1"></td>
</tr>
<tr data-webtasks-id="eec48af9-0205-4fa8">
<th data-webtasks-id="b69984a4-4163-4379">Best 3-Year CDs</th>
<th data-webtasks-id="394c1cc0-c73d-4480">Rate</th>
<th data-webtasks-id="1290218d-580d-4709">Term</th>
<th data-webtasks-id="4831bd27-2fa5-4fad">Minimum</th>
</tr>
<tr data-webtasks-id="548f151c-6123-4b1b">
<td data-webtasks-id="70b1ea5a-981f-4860"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.ussfcu.org/resources/rates.html&lender=U.S.%20Senate%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="6b6a4892-5ef1-430e">U.S. Senate Federal Credit Union</a></td>
<td data-webtasks-id="24189083-44c3-4eb5">5.13% APY</td>
<td data-webtasks-id="fac02d34-1b14-40a4">36 months</td>
<td data-webtasks-id="45fcd79f-1756-4890">$1,000</td>
</tr>
<tr data-webtasks-id="140e7730-7ec3-4c34">
<td data-webtasks-id="22f35296-a488-4fcf"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.summitcreditunion.com/bank/certificates&lender=Summit%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="ae6a3a83-72ae-49df">Summit Credit Union</a></td>
<td data-webtasks-id="8695b430-2b7b-48f7">4.85% APY</td>
<td data-webtasks-id="a175db8c-2e27-416e">36 months</td>
<td data-webtasks-id="4335a20b-31f4-4608">$500</td>
</tr>
<tr data-webtasks-id="5f0cacae-f6f9-42b8">
<td data-webtasks-id="95315caf-abb9-45fe"><a href="https://www.quorumfcu.org/banking/savings/term-savings/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow noopener" target="_blank" data-webtasks-id="39a1059b-e39c-46bb">Quorum Federal Credit Union</a></td>
<td data-webtasks-id="38bee060-fda4-41b0">4.85% APY</td>
<td data-webtasks-id="2f090930-d74f-4086">36 months</td>
<td data-webtasks-id="27f538a4-8adf-4fcd">$1,000</td>
</tr>
<tr data-webtasks-id="f06af81d-da38-4a09">
<td data-webtasks-id="51c56581-dc17-490a">For more options, see our in-depth <a href="https://www.investopedia.com/best-3-year-cd-rates-4782938" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="3195981e-24e5-48e8">3-year CD rankings</a></td>
<td data-webtasks-id="62a699e2-d306-40d0"></td>
<td data-webtasks-id="ba21f274-774d-4d5f"></td>
<td data-webtasks-id="48050068-38e7-4d38"></td>
</tr>
<tr data-webtasks-id="33b3486b-3d4e-42cf">
<td data-webtasks-id="db2fde2d-9536-4aa7"></td>
<td data-webtasks-id="28eccc34-00bf-4166"></td>
<td data-webtasks-id="9632e624-bbd7-4fe2"></td>
<td data-webtasks-id="a3a826d6-f386-4388"></td>
</tr>
<tr data-webtasks-id="c630efba-6f66-4a97">
<th data-webtasks-id="d630c973-4e56-4e99">Best 4-Year CDs</th>
<th data-webtasks-id="b2c7e180-4d8b-41fa">Rate</th>
<th data-webtasks-id="b910e51c-b9b1-4ffc">Term</th>
<th data-webtasks-id="9a45129c-e87e-412c">Minimum</th>
</tr>
<tr data-webtasks-id="bdef9cf8-bec3-4cb2">
<td data-webtasks-id="8c125fc4-b2ab-4bc1"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.gtefinancial.org/products/share-certificates&lender=GTE%20Financial&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="a0a4990c-cb5f-4d32">GTE Financial</a></td>
<td data-webtasks-id="1b466956-55a6-4db1">4.85% APY</td>
<td data-webtasks-id="a387f7d7-dd40-4ec2">48 months</td>
<td data-webtasks-id="6817a679-4e1a-4b82">$500</td>
</tr>
<tr data-webtasks-id="81e88aa4-2ed5-4eaa">
<td data-webtasks-id="08076627-29ac-46b9"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.lfcu.org/personal/certificates/&lender=Lafayette%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="a1457970-f4e7-4c68">Lafayette Federal Credit Union</a></td>
<td data-webtasks-id="add8cb85-ddc6-4e03">4.73% APY</td>
<td data-webtasks-id="987cb723-b5aa-44f8">48 months</td>
<td data-webtasks-id="33c8a58b-ab00-485e">$500</td>
</tr>
<tr data-webtasks-id="740194b2-d42f-4f71">
<td data-webtasks-id="8e0dcdd1-6164-4104"><a href="https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow noopener" target="_blank" data-webtasks-id="37442ce9-8d64-414f">NASA Federal Credit Union</a></td>
<td data-webtasks-id="3ad54dbb-8714-47d3">4.60% APY</td>
<td data-webtasks-id="1b506697-9f92-4ba0">49 months</td>
<td data-webtasks-id="872979a3-5409-4cf6">$10,000</td>
</tr>
<tr data-webtasks-id="78cd6024-e89c-459c">
<td data-webtasks-id="8ebd2a06-d44c-495f">For more options, see our in-depth <a href="https://www.investopedia.com/best-4-year-cd-rates-5272503" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="23744181-2d9e-466d">4-year CD rankings</a></td>
<td data-webtasks-id="4cbaa405-3590-474e"></td>
<td data-webtasks-id="95a65837-2eb1-4fd2"></td>
<td data-webtasks-id="6907b431-f38f-4306"></td>
</tr>
<tr data-webtasks-id="038c1d57-3582-454a">
<td data-webtasks-id="043e4ac4-ad80-462e"></td>
<td data-webtasks-id="1d9b7ca4-244f-4be9"></td>
<td data-webtasks-id="c495698c-6e69-4a2c"></td>
<td data-webtasks-id="61c8c23c-2857-4a7d"></td>
</tr>
<tr data-webtasks-id="39102586-8151-4e78">
<th data-webtasks-id="21914847-ed72-4612">Best 5-Year CDs</th>
<th data-webtasks-id="80660fb9-a9d7-422f">Rate</th>
<th data-webtasks-id="c94734b1-5c5e-45a6">Term</th>
<th data-webtasks-id="ab42422e-e3af-4f95">Minimum</th>
</tr>
<tr data-webtasks-id="a6af730d-a8a7-4749">
<td data-webtasks-id="01abada7-602c-4748"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.lfcu.org/personal/certificates/&lender=Lafayette%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="eacf94d1-0174-435c">Lafayette Federal Credit Union</a></td>
<td data-webtasks-id="d8a5e925-856a-4fe8">4.68% APY</td>
<td data-webtasks-id="2adea39b-d186-440b">60 months</td>
<td data-webtasks-id="c103c7cc-68f4-416c">$500</td>
</tr>
<tr data-webtasks-id="4c9c428a-cdad-4e42">
<td data-webtasks-id="348b201e-27f2-46b3"><a href="https://www.mysafra.com/Personal-Banking/MYSB-Direct#internalNavToggle" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="9a333d2d-6e36-4f06">MYSB Direct</a></td>
<td data-webtasks-id="575f3d75-b7e7-41a2">4.52% APY</td>
<td data-webtasks-id="444309b0-070d-4675">60 months</td>
<td data-webtasks-id="85eab60d-36ca-4c5f">$500</td>
</tr>
<tr data-webtasks-id="523611ce-e9e4-4fe6">
<td data-webtasks-id="18d6094c-6ffe-4e5f"><a href="https://www.pimafederal.org/deposit/money-market-certificates" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="c8d96a55-4c6d-4bdc">Pima Federal Credit Union</a></td>
<td data-webtasks-id="c22a41a6-7ff4-4e7f">4.50% APY</td>
<td data-webtasks-id="5b8887eb-b3d4-4797">36–60 months</td>
<td data-webtasks-id="7e78fc01-7f81-4ad2">$250</td>
</tr>
<tr data-webtasks-id="c0f5042d-69c0-46c0">
<td data-webtasks-id="ab0e0620-fa21-46ec">For more options, see our in-depth <a href="https://www.investopedia.com/best-5-year-cd-rates-4801473" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="4460f17e-ec07-45c4">5-year CD rankings</a></td>
<td data-webtasks-id="61551f62-c34f-4941"></td>
<td data-webtasks-id="888267fa-c06c-4032"></td>
<td data-webtasks-id="fa06fafb-7660-4691"></td>
</tr>
<tr data-webtasks-id="b2261996-b77b-4d0d">
<td data-webtasks-id="88dfbfdd-cc6e-4a82"></td>
<td data-webtasks-id="24df0b84-bf0f-4119"></td>
<td data-webtasks-id="3bb2b6d1-b34e-4f11"></td>
<td data-webtasks-id="b0e01fca-fc36-46c6"></td>
</tr>
<tr data-webtasks-id="fd94e194-78c8-4459">
<th data-webtasks-id="2f1d24f7-db5c-4a59">Best 6- to 9-Year CDs</th>
<th data-webtasks-id="1c7f6032-9dcc-49f8">Rate</th>
<th data-webtasks-id="ec9f9ab8-2d14-435d">Term</th>
<th data-webtasks-id="bafe5cd6-601a-4ea0">Minimum</th>
</tr>
<tr data-webtasks-id="0a0e44bc-4539-48d3">
<td data-webtasks-id="1ede763b-641d-4b19"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.fnba.com/online-cd-rates/&lender=First%20National%20Bank%20of%20America&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="57a3fbb8-0f0e-4965">First National Bank of America</a></td>
<td data-webtasks-id="d2787c38-2506-4c1e">4.50% APY</td>
<td data-webtasks-id="49b50faf-0c5a-4711">7 years</td>
<td data-webtasks-id="2967dcd7-01e7-4c86">$1,000</td>
</tr>
<tr data-webtasks-id="47b8fa44-6963-4e4f">
<td data-webtasks-id="3859db04-3935-482d"><a href="https://www.docfcu.org/rates/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="1041a028-bcc2-4b9b">Department of Commerce Federal Credit Union</a></td>
<td data-webtasks-id="352604a5-c948-487b">4.34% APY</td>
<td data-webtasks-id="31fb573a-ea8b-4bbe">5-7 years</td>
<td data-webtasks-id="ad97159f-4aaf-4258">$25,000</td>
</tr>
<tr data-webtasks-id="706d09b8-d57f-4c52">
<td data-webtasks-id="153c0f50-5d0b-4a26"><a href="https://www.ksstate.bank/resources/deposit-rates/" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="b2199592-1f67-4254">KS State Bank</a></td>
<td data-webtasks-id="2c904af6-477c-4116">4.06% APY</td>
<td data-webtasks-id="fa423523-f29e-4ec2">7 years</td>
<td data-webtasks-id="7780c4cf-c70d-4140">$500</td>
</tr>
<tr data-webtasks-id="d76972f1-28fa-4217">
<td data-webtasks-id="6ea7a0d1-f215-4c2d"><a href="https://www.credithuman.com/Checking-Savings/Share-Certificate" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="60212512-4e2d-42a8">Credit Human</a></td>
<td data-webtasks-id="93cf9284-d39e-46d3">4.00% APY</td>
<td data-webtasks-id="525fae3a-9664-4f78">7 years</td>
<td data-webtasks-id="8cabb896-0d06-4b30">$500</td>
</tr>
<tr data-webtasks-id="4205d4e5-07d1-4eaa">
<td data-webtasks-id="a84abc35-9ab9-40c3"><a href="https://www.applefcu.org/Savings#certificates" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow noopener" target="_blank" data-webtasks-id="0402a3cd-f92b-4be4">Apple Federal Credit Union</a></td>
<td data-webtasks-id="52151e80-b438-4407">4.00% APY</td>
<td data-webtasks-id="7c35f29f-764d-4849">7 years</td>
<td data-webtasks-id="40c3d461-e7ac-4764">$500</td>
</tr>
<tr data-webtasks-id="62f67dbe-32f1-48d0">
<th data-webtasks-id="cba2faf7-6aac-4e2b">Best 10-Year CDs</th>
<th data-webtasks-id="2d682977-da22-425e">Rate</th>
<th data-webtasks-id="42e582f6-8db7-44d4">Term</th>
<th data-webtasks-id="d2bbdb1e-c342-4a7e">Minimum</th>
</tr>
<tr data-webtasks-id="d9d9a853-54aa-47a1">
<td data-webtasks-id="d889f364-9544-4486"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.applefcu.org/savings&lender=Apple%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="c7f7430e-d488-483b">Apple Federal Credit Union</a></td>
<td data-webtasks-id="4c0c8385-63fd-442e">4.00% APY</td>
<td data-webtasks-id="51175099-5595-4a58">10 years</td>
<td data-webtasks-id="8c75969d-d4f2-431d">$500</td>
</tr>
<tr data-webtasks-id="d8281c67-2a32-4d64">
<td data-webtasks-id="ca5d1cb2-d4d3-4e89"><a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.credithuman.com/Checking-Savings/Share-Certificate&lender=Credit%20Human&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow noopener" target="_blank" data-webtasks-id="79ff7540-7987-4b11">Credit Human</a></td>
<td data-webtasks-id="e82adca5-6d85-4bb4">4.00% APY</td>
<td data-webtasks-id="6a258506-0f5c-4a82">10 years</td>
<td data-webtasks-id="ba016c6b-c540-405c">$500</td>
</tr>
<tr data-webtasks-id="2be3433b-ba9f-44f8">
<td data-webtasks-id="da78c331-6b88-471e"><a href="https://goto.discover.com/c/328256/661499/9289?adid=Content&adcampaignid=337961719&subid1=4770214&subid2=nc20c349d826b40528e86dd2fa479222805" class="null" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="sponsored nofollow noopener" data-affiliate-link-rewriter="subid1=${DOC_ID}&subid2=${REQUEST_ID}" target="_blank" data-webtasks-id="b6f94165-1d2c-466a">Discover Bank</a></td>
<td data-webtasks-id="b286af6f-0998-4148">3.80% APY</td>
<td data-webtasks-id="06d7ea73-98f3-4b3b">10 years</td>
<td data-webtasks-id="d41f6ebe-cffb-49d9">$2,500</td>
</tr>
<tr data-webtasks-id="c7df148d-b602-4f48">
<td data-webtasks-id="2c81feff-2211-4111">For more options, see our in-depth <a href="https://www.investopedia.com/best-10-year-cd-rates-4783528" class="null" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="29b428f8-9671-4744">10-year CD rankings</a></td>
<td data-webtasks-id="6d190780-a862-4a5e"></td>
<td data-webtasks-id="3af741b8-5f96-4b73"></td>
<td data-webtasks-id="651860ac-4827-49a8"></td>
</tr>
</tbody>
</table>
</div></figure><!-- end: comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table -->
<div id="mntl-sc-block_1-0-7" class="comp related-link mntl-sc-block prm-sc-block-featuredlink--finance prm-sc-block-featuredlink mntl-sc-block-featuredlink mntl-block" data-webtasks-id="0763c29e-d954-4c64">
<a href="https://www.investopedia.com/best-jumbo-cd-rates-4797766" target="_blank" rel="noopener nofollow nocaes" data-click-tracked="true" data-tracking-id="PRM Roundup | Featured Link" data-click-action="OffPageClick - Internal [Read our full methodology]" id="mntl-sc-block-featuredlink__link_1-0" data-tracking-container="true" class=" mntl-sc-block-featuredlink__link mntl-text-link" data-webtasks-id="b32f70af-0a4c-4c25"><span class="link__wrapper" data-webtasks-id="2e80f971-c63f-4491">Best Jumbo CD Rates</span></a><!-- end: mntl-sc-block-featuredlink__link mntl-text-link -->
</div><!-- end: comp related-link mntl-sc-block prm-sc-block-featuredlink--finance prm-sc-block-featuredlink mntl-sc-block-featuredlink mntl-block -->
<p id="mntl-sc-block_1-0-8" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="247039d8-e577-45f8">
<br data-webtasks-id="d0154fe9-bd3d-4fb3">Details on the early withdrawal penalty for the top CD in each term are provided below, along with information on how to join the credit union, where applicable.
</p><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container expert-content article-intro prm-sc-page mntl-sc-page mntl-block -->
<div id="article-body_1-0" class="comp article-body mntl-block" data-webtasks-id="bcb9ce55-3b76-4ae1">
<div id="article-body__left-nav_1-0" class="comp left-nav article-body__left-nav mntl-block" data-webtasks-id="bd66c3d2-3f66-47b2"></div><!-- end: comp left-nav article-body__left-nav mntl-block -->
<div id="list-sc-item_1-0" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="7f3ef846-ad5a-4807">
<div id="list-sc-item__container_1-0" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="56c07bc1-94d8-4d86">
<span class="heading-toc" id="toc-top-3-month-rate-totaldirectbank--515-apy" data-webtasks-id="d27fb5de-e49a-4102"></span> <h2 id="mntl-sc-block_2-0" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="07ed816b-443e-4cb7"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.totaldirectbank.com/personal/cds&lender=TotalDirectBank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="2579f14f-a081-4f97">Top 3-month rate: TotalDirectBank – 5.15% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-1" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="746f7ca7-c398-4df8">
<li data-webtasks-id="72d83b6d-4522-4d99"><strong data-webtasks-id="448659fb-131e-4aae">Early-withdrawal penalty:</strong> 1 month of interest</li><li data-webtasks-id="2b13ba68-5eaa-4ec3"><strong data-webtasks-id="c984a82f-7d3c-40b6">About:</strong> TotalDirectBank is an online-only operation of City National Bank of Florida, established in Miami in 1946.<br data-webtasks-id="f7a51263-7e4b-4871"></li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-1" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="ca94d91c-0ec4-4522">
<div id="list-sc-item__container_1-0-1" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="fe841b31-c8a3-4032">
<span class="heading-toc" id="toc-top-6-month-rate-nasa-federal-credit-union--550-apy-9-months" data-webtasks-id="f5091fa9-d31d-4b2d"></span> <h2 id="mntl-sc-block_2-0-2" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="e654a380-e8e1-43cd"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates&lender=NASA%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="f0174f9a-c76e-4754">Top 6-month rate: NASA Federal Credit Union – 5.50% APY (9 months)</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-3" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="e642b9c2-1f2a-4308">
<li data-webtasks-id="35c4abd9-3725-457d"><strong data-webtasks-id="5dbee222-9318-4379">Early withdrawal penalty:</strong> All interest up to 6 months' worth</li><li data-webtasks-id="447e503c-d485-463f"><strong data-webtasks-id="daf51fbd-fc4c-48dc">Membership:</strong> Anyone can join NASA FCU by signing up for a free membership in the National Space Society and holding $5 or more in a savings account.</li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-2" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="4517f6c9-0ee4-43b0">
<div id="list-sc-item__container_1-0-2" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="aa4dd88d-8611-4d70">
<span class="heading-toc" id="toc-top-1-year-rate-cfg-bank--528-apy" data-webtasks-id="8bddc7e5-d14e-4df1"></span> <h2 id="mntl-sc-block_2-0-4" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="1bd6ccab-da60-4451"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.cfg.bank/personal-banking/personal-deposit-rates/&lender=CFG%20Bank&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="c0b61d8b-9723-4b3a">Top 1-year rate: CFG Bank – 5.28% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-5" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="bb70c081-34d8-4def">
<li data-webtasks-id="d0e620cb-a8e2-4d89"><strong data-webtasks-id="af0e71b2-f0f3-4839">Early withdrawal penalty:</strong> 6 months of interest</li><li data-webtasks-id="3f443a01-1270-4229"><strong data-webtasks-id="ae23e24d-eaf4-485c">About: </strong>Headquartered in Baltimore with two brick-and-mortar branches in that area, CFG offers select banking products online to customers throughout the country.</li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-3" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="f05af476-b9c6-48a7">
<div id="list-sc-item__container_1-0-3" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="a13d3a12-c106-44f2">
<span class="heading-toc" id="toc-top-18-month-rate-nasa-federal-credit-union--530-apy-15-months" data-webtasks-id="c19f1201-f407-4a20"></span> <h2 id="mntl-sc-block_2-0-6" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="62414828-2b07-46bc"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates&lender=NASA%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="a5e48b35-edb5-46e1">Top 18-month rate: NASA Federal Credit Union – 5.30% APY (15 months)</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-7" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="a190c9b4-4418-4378">
<li data-webtasks-id="65f9cad1-842d-4757"><strong data-webtasks-id="493b38eb-f91d-4987">Early withdrawal penalty:</strong> All interest up to 6 months' worth</li><li data-webtasks-id="81faa82e-b809-4efb"><strong data-webtasks-id="a13ae3a1-74f4-4493">Membership:</strong> Anyone can join NASA FCU by signing up for a free membership in the National Space Society and holding $5 or more in a savings account.</li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-4" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="2d7b5068-96c2-479d">
<div id="list-sc-item__container_1-0-4" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="1845263a-803c-4c7c">
<span class="heading-toc" id="toc-top-2-year-rate-summit-credit-union--525-apy" data-webtasks-id="d44fb9f6-2b60-4eb9"></span> <h2 id="mntl-sc-block_2-0-8" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="06c0eeb3-d3e4-41a1"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.summitcreditunion.com/bank/certificates&lender=Summit%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="124f4558-c726-4422">Top 2-year rate: Summit Credit Union – 5.25% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-9" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="f93b4144-4192-4dd9">
<li data-webtasks-id="c21e5d12-79c8-43ce"><strong data-webtasks-id="26f0337d-600d-4512">Early withdrawal penalty:</strong> 6 months of interest</li><li data-webtasks-id="17e4804c-4d90-4003"><strong data-webtasks-id="5f59bbdd-89a3-4123">Membership:</strong> Anyone can join Summit by keeping at least $5 in a member savings account.<br data-webtasks-id="2597ab6d-1bd6-4fae"></li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-5" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="9ad8e8fc-d830-4dcb">
<div id="list-sc-item__container_1-0-5" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="0ea54a9d-7bc9-4c86">
<span class="heading-toc" id="toc-top-3-year-rate-us-senate-federal-credit-union--513-apy" data-webtasks-id="0c96ca28-d9b6-423b"></span> <h2 id="mntl-sc-block_2-0-10" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="150148c7-e661-405f"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.ussfcu.org/resources/rates.html&lender=U.S.%20Senate%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="01c737a5-d5c2-42ef">Top 3-year rate: U.S. Senate Federal Credit Union – 5.13% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-11" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="9b20bccc-0a6d-48f2">
<li data-webtasks-id="25d25a8f-bff6-4ba1"><strong data-webtasks-id="f39c93e1-1104-4b7a">Early withdrawal penalty:</strong> 4 months of interest</li><li data-webtasks-id="69c92471-bf75-445f"><strong data-webtasks-id="c20eb18a-85e1-46e4">Membership:</strong> Anyone can join USSFCU by agreeing to a free one-year membership in the nonprofit American Consumer Council and keeping at least $5 in a savings account.</li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-6" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="5242a843-b8e6-4532">
<div id="list-sc-item__container_1-0-6" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="0c840301-ac58-456d">
<span class="heading-toc" id="toc-top-4-year-rate-gte-financial--485-apy" data-webtasks-id="e9f9f7f1-9a0a-4651"></span> <h2 id="mntl-sc-block_2-0-12" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="f7976ffb-cd73-4951"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.gtefinancial.org/products/share-certificates&lender=GTE%20Financial&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="38812813-3266-4344">Top 4-year rate: GTE Financial – 4.85% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-13" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="684d2182-2263-4af2">
<li data-webtasks-id="c47d1bba-fb34-430f"><strong data-webtasks-id="3d2890ea-695a-47a0">Early withdrawal penalty:</strong> 6 months of interest</li><li data-webtasks-id="0810cf2c-c7ea-49d8"><strong data-webtasks-id="8f43c637-ef22-4506">Membership:</strong> Anyone can join GTE Financial by agreeing to a $10 one-time membership in CU Savers and keeping $5 or more in a savings account.<br data-webtasks-id="7cbd4c9b-d41a-422d"></li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-7" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="ef544a62-3614-4dec">
<div id="list-sc-item__container_1-0-7" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="6857fa52-e9e3-4f3f">
<span class="heading-toc" id="toc-top-5-year-rate-lafayette-federal-credit-union--468-apy" data-webtasks-id="730d05b5-59c5-4fd1"></span> <h2 id="mntl-sc-block_2-0-14" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="e999306a-99a0-468c"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.lfcu.org/personal/certificates/&lender=Lafayette%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="637cbc7e-2334-42bc">Top 5-year rate: Lafayette Federal Credit Union – 4.68% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-15" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="e61dbc96-bff0-40cd">
<li data-webtasks-id="847dc9ec-0e3d-48cf"><strong data-webtasks-id="e9c21ff0-13fb-4217">Early withdrawal penalty:</strong> 20 months of interest</li><li data-webtasks-id="cb963633-3dc5-43ed"><strong data-webtasks-id="293d1b63-51b3-4949">Membership:</strong> Anyone can join Lafayette Federal with a $10 membership in the Home Ownership Financial Literacy Council and $50 or more held in a savings account.</li>
</ul><!-- end: comp mntl-sc-block mntl-sc-block-html -->
</div><!-- end: comp article-content__description article-container list-sc-item__container mntl-block -->
</div><!-- end: comp mntl-sc-list-item list-sc-item mntl-block -->
<div id="list-sc-item_1-0-8" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="4d2b5ce7-94c5-4995">
<div id="list-sc-item__container_1-0-8" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="b83524ff-36ea-4f4e">
<span class="heading-toc" id="toc-top-6-to-9-year-rate-first-national-bank-of-america--450-apy-7-years" data-webtasks-id="498da273-f38c-464d"></span> <h2 id="mntl-sc-block_2-0-16" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="fca494cf-8685-45cb"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.fnba.com/online-cd-rates/&lender=First%20National%20Bank%20of%20America&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="10a67476-3c2a-47eb">Top 6- to 9-year rate: First National Bank of America – 4.50% APY (7 years)</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-17" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="938cde2f-36be-423a">
<li data-webtasks-id="ddd10ac4-b761-4c90"><strong data-webtasks-id="27048e62-9c7d-4acc">Early withdrawal penalty:</strong> 18 months of interest</li><li data-webtasks-id="9308e760-29c7-41ab"><strong data-webtasks-id="7183617b-48cb-4265">About:</strong> First National Bank of America is a Michigan-based community bank established in 1955. In addition to three branches in the state, FNBA offers online banking products to customers nationwide.</li>
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<div id="list-sc-item_1-0-9" class="comp mntl-sc-list-item list-sc-item mntl-block" data-webtasks-id="a31fd0a8-ed80-4893">
<div id="list-sc-item__container_1-0-9" class="comp article-content__description article-container list-sc-item__container mntl-block" data-webtasks-id="e7adaf5f-8087-4e21">
<span class="heading-toc" id="toc-top-10-year-rate-apple-federal-credit-union--400-apy" data-webtasks-id="b67d8484-a83d-49d5"></span> <h2 id="mntl-sc-block_2-0-18" class="comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading" data-webtasks-id="05453f7c-a9be-405c"> <a href="https://finance.mediaalpha.com/dotdash/direct-link.html?cu=https://www.applefcu.org/savings&lender=Apple%20Federal%20Credit%20Union&type=CD;rENpvBV_7IwwTpHRgbEQg9JlSH1hUgpLivAI0es52Cmr1l6igsUu2KIAy6Xb-greXxpicNNpXRTca2hxVAxvB75b-Hs8JQ" target="_blank" rel="noopener nofollow nocaes" class="mntl-sc-block-heading__link" data-webtasks-id="730b8ba4-a199-42fe">Top 10-year rate: Apple Federal Credit Union – 4.00% APY</a><!-- end: mntl-sc-block-heading__link --> </h2><!-- end: comp mntl-sc-list-item-title finance-sc-block-heading mntl-sc-block mntl-sc-block-heading -->
<ul id="mntl-sc-block_2-0-19" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="52e45224-7d5b-48b2">
<li data-webtasks-id="0cea6877-5a03-497d"><strong data-webtasks-id="f196b55c-ba95-4c94">Early withdrawal penalty:</strong> All interested earned, up to max of 36 months' worth</li><li data-webtasks-id="bb1661ac-07a4-4775"><strong data-webtasks-id="3056d454-6fa7-4589">Membership:</strong> Anyone can join Apple Federal by signing up for a $20 membership in the Northern Virginia Athletic Directors, Administrators, and Coaches Association, as well as keeping at least $5 in a savings account.</li>
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<div id="article-outro__content_1-0" class="comp expert-content article-outro__content prm-sc-page mntl-sc-page mntl-block" data-webtasks-id="b0781e4c-3db0-4cd7">
<span class="heading-toc" id="toc-alternatives-to-cds" data-webtasks-id="7aa179f2-2d49-4f84"></span> <h2 id="mntl-sc-block_3-0" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading" data-webtasks-id="9ef043ce-6055-403e"> <span class="mntl-sc-block-heading__text" data-webtasks-id="df6b56c6-b689-4e06"> Alternatives to CDs </span> </h2><!-- end: comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading -->
<p id="mntl-sc-block_3-0-1" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="63d8f41f-2789-4f07">
If you aren't looking to lock your money up for a period of time and want easier access to it, you could look at opening a high-yield savings account as an alternative. Below are some savings account options from our partners that can be competitive with the rates you can earn on CDs. It should be noted that unlike a CD, where your rate is locked in, with a savings account the bank or credit union can change your rate at any time.
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<span class="heading-toc" id="toc-pros-and-cons-of-cds" data-webtasks-id="cb49f09f-18bb-40a5"></span> <h2 id="mntl-sc-block_3-0-2" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading" data-webtasks-id="a981d2ac-ccc7-4153"> <span class="mntl-sc-block-heading__text" data-webtasks-id="e2b13a71-3212-4306"> Pros and Cons of CDs </span> </h2><!-- end: comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading -->
<div id="mntl-sc-block_3-0-3" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist" data-webtasks-id="ee68148f-c093-4252">
<div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper" data-webtasks-id="59b9c7b3-5e3d-4890">
<span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading" data-webtasks-id="8f329773-1d73-47cf">Pros</span>
<ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list" data-webtasks-id="67e14262-ca06-4bdd">
<li data-webtasks-id="7c03361b-0079-463d"><p data-webtasks-id="1faf5e32-e9e0-4fa9">Offers a higher rate than you can earn with a savings or money market account</p></li>
<li data-webtasks-id="8a36704c-11fc-43bf"><p data-webtasks-id="189ffd47-22e8-446c">Pays a guaranteed, predictable rate of return, avoiding the volatility and losses that are possible with stocks and bonds</p></li>
<li data-webtasks-id="62321889-3e08-4768"><p data-webtasks-id="86fc524c-49c5-4e99">Is federally insured if opened with an FDIC bank or NCUA credit union</p></li>
<li data-webtasks-id="b5f9ec70-183c-4251"><p data-webtasks-id="878a3be0-acc5-472b">Can help fend off spending temptations since withdrawing the funds early triggers a penalty</p></li>
</ul>
</div>
<div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper" data-webtasks-id="6efead81-6d89-418e">
<span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading" data-webtasks-id="bec1a4bc-c337-4cc1">Cons</span>
<ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list" data-webtasks-id="d5a4dc99-90cf-4a1c">
<li data-webtasks-id="b8a1e3e3-c902-4162"><p data-webtasks-id="daab3659-0b6c-4e8b">Cannot be liquidated before maturity without incurring an early withdrawal penalty</p></li>
<li data-webtasks-id="c8fcf00a-dac7-4ced"><p data-webtasks-id="1f2dc849-a5be-47df">Typically earns less than stocks and bonds can over time</p></li>
<li data-webtasks-id="a32d882a-33eb-449c"><p data-webtasks-id="1be56558-028a-460c">Earns a fixed rate of return regardless of whether interest rates rise during the term</p></li>
</ul>
</div>
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<div id="mntl-sc-block_3-0-4" class="comp mntl-sc-block prm-sc-block-questionandanswer--finance prm-sc-block-questionandanswer mntl-sc-block-questionandanswer" data-webtasks-id="d0a2e30d-1910-4e7b">
<span class="heading-toc" id="toc-how-much-do-cds-pay" data-webtasks-id="ce8b1497-5f4e-4931"></span>
<h2 class="mntl-sc-block-questionandanswer__question" data-webtasks-id="19ae2459-f555-42bb">How Much Do CDs Pay?</h2>
<div class="mntl-sc-block-questionandanswer__answer" data-webtasks-id="ecf6ac0c-6db1-4e31"><p data-webtasks-id="d7c5ae78-f98a-42bc">While the national average is a good indicator of the direction of rates—and how much they've changed over a period of time—they are not what you should consider when shopping for CDs. Instead, look for the top nationally available rates, which stand far above industry averages.</p><p data-webtasks-id="73e2f0e4-b342-4660">Take one-year CDs, for instance. The current national average is just 1.36% <a href="https://www.investopedia.com/terms/a/apy.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="03df24d4-b4e8-4639">annual percentage yield (APY)</a>. Today's top-paying institution, however, will pay you three to four times that yield on that same one-year commitment. Similarly, compare our top three-year CD rates to the current FDIC industry average of 1.22% APY.<span class="mntl-inline-citation mntl-dynamic-tooltip--trigger" data-id="#citation-1" data-webtasks-id="4ac0ce33-1a3d-4639"><span data-webtasks-id="030173bb-bbe9-421c">1</span></span></p><p data-webtasks-id="33504e30-3682-4062">If you have cash, you can park for a period of time, but want to earn more than the best savings and money market accounts will net you, our research on the best nationally available rates in every major CD term can lead you to maximum returns.</p><p data-webtasks-id="2942dd6d-acb9-45c2">Keep in mind that CD yields are still considered <a href="https://www.investopedia.com/ask/answers/020515/how-are-yields-taxed-certificate-deposit-cd.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2" data-webtasks-id="49d85bd8-b8c8-4ad6">taxable as interest income</a> on both the state and federal levels, which will impact the total return you can realize.</p></div>
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<div id="mntl-sc-block_3-0-5" class="comp mntl-sc-block prm-sc-block-questionandanswer--finance prm-sc-block-questionandanswer mntl-sc-block-questionandanswer" data-webtasks-id="02cbf0c2-a9be-4f82">
<span class="heading-toc" id="toc-how-does-a-cd-work" data-webtasks-id="0db94e22-11f6-4e85"></span>
<h2 class="mntl-sc-block-questionandanswer__question" data-webtasks-id="ccd1734c-8cd8-4fc5">How Does a CD Work?</h2>
<div class="mntl-sc-block-questionandanswer__answer" data-webtasks-id="ff5d6a5e-8b45-4d28"><p data-webtasks-id="e3da2508-43ac-4bbf">Opening a CD is very similar to opening any standard bank deposit account. The difference is what you're agreeing to when you sign on the dotted line (even if that signature is now digital). After you've shopped around and identified which CD(s) you'll open, completing the process will lock you into four things:</p><ol data-webtasks-id="d55c6a7f-b914-4007"><li data-webtasks-id="d41cb670-2354-4c42"><strong data-webtasks-id="ed64fc24-63d6-4396">The interest rate: </strong>Locked rates are positive in that they provide a clear and predictable return on your deposit over a specific time period. The bank cannot later change the rate and therefore reduce your earnings. On the flip side, a fixed return may hurt you if rates later rise substantially and you've lost your opportunity to take advantage of higher-paying CDs.</li><li data-webtasks-id="ef766415-07ca-480c"><strong data-webtasks-id="d5e169b0-0566-4cf9">The term:<em data-webtasks-id="6ff03c6c-574d-46e2"> </em></strong>This is the length of time you agree to leave your funds deposited to avoid any penalty (e.g., 6-month CD, 1-year CD, 18-month CD, etc.) The term ends on the "maturity date," when your CD has fully matured and you can withdraw your funds penalty-free.</li><li data-webtasks-id="61a4d417-924e-4595"><strong data-webtasks-id="59185a96-536c-470b">The principal:<em data-webtasks-id="9bc0359f-7636-4797"> </em></strong>With the exception of some specialty CDs that allow add-on deposits, this is the amount you agree to deposit into the CD, at the time of opening.</li><li data-webtasks-id="ac50fade-31d4-4dbb"><strong data-webtasks-id="22364ece-daaf-44b6">The institution:<em data-webtasks-id="cd93b99c-52a3-4fef"> </em></strong>The bank or credit union where you open your CD will determine aspects of the agreement, such as early withdrawal penalties (EWPs) and whether your CD will be automatically reinvested if you don’t provide other instructions at the time of maturity.</li></ol><p data-webtasks-id="925c01a5-b373-4320">Once your CD is established and funded, the bank or credit union will administer it like most other deposit accounts, with either monthly or quarterly statement periods, paper or electronic statements, and usually monthly or quarterly interest payments deposited to your CD balance, where the interest will compound.</p></div>
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<div id="mntl-sc-block_3-0-6" class="comp mntl-sc-block prm-sc-block-questionandanswer--finance prm-sc-block-questionandanswer mntl-sc-block-questionandanswer" data-webtasks-id="b6cb9eb3-cbf1-43f1">
<span class="heading-toc" id="toc-what-is-a-cd-ladder-and-why-should-i-build-one" data-webtasks-id="4b3c789a-2d25-454e"></span>
<h2 class="mntl-sc-block-questionandanswer__question" data-webtasks-id="4ac380b5-29cd-4b13">What Is a CD Ladder and Why Should I Build One?</h2>
<div class="mntl-sc-block-questionandanswer__answer" data-webtasks-id="fcbf574b-187b-4cfb"><p data-webtasks-id="df4f942d-8275-4685">Smart CD investors have a specific tactic for hedging against rate changes over time and maximizing their return. It's called a <a href="https://www.investopedia.com/terms/c/cd-ladder.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="c0945924-e730-4f45">CD ladder</a> and it enables you to access the higher rates offered by 5-year CD terms, but with the twist that a portion of your money becomes available every year, rather than every five years. Here's how to do it.</p><p data-webtasks-id="a4398dbb-dcce-4c14">At the outset, you take the amount of money you want to invest in CDs and divide it by five. You then put one-fifth of the funds into a top-earning 1-year CD, another fifth into a top 2-year CD, another into a 3-year CD, and so forth through a 5-year CD. Let’s say you have $25,000 available. That would give you five CDs of varying length, each with a value of $5,000.</p><p data-webtasks-id="9bd57e8a-09a9-4453">Then, when the first CD matures in a year, you take the resulting funds and open a top-rate 5-year CD. A year later, your initial 2-year CD will mature, and you'll invest those funds into another 5-year CD. You continue doing this every year with whichever CD is maturing, until you end up with a portfolio of five CDs all earning 5-year APYs, but with one of them maturing every 12 months, keeping your money a bit more accessible than if all of it were locked up for a full five years.</p></div>
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<div id="mntl-sc-block_3-0-7" class="comp mntl-sc-block prm-sc-block-questionandanswer--finance prm-sc-block-questionandanswer mntl-sc-block-questionandanswer" data-webtasks-id="f8cb2e9e-8dce-4096">
<span class="heading-toc" id="toc-what-is-considered-a-good-rate-for-a-cd" data-webtasks-id="eb9694a9-91e5-4fa9"></span>
<h2 class="mntl-sc-block-questionandanswer__question" data-webtasks-id="d01935c4-6b97-4d62">What Is Considered a Good Rate for a CD?</h2>
<div class="mntl-sc-block-questionandanswer__answer" data-webtasks-id="cf0b585b-c118-4ecd"><p data-webtasks-id="a038e3c4-7f7e-443d">What makes CDs attractive as an investment vehicle is not their rate of return but their risk-free nature. When you open a CD, you know upfront exactly what interest rate you will earn and for how long. Except for some specialty CDs, the rate on your certificate is guaranteed and locked for the full duration of the certificate, meaning your return is predictable and safe.</p><p data-webtasks-id="5822c31a-0f91-4fae">Adding to their risk-free nature is the fact that CDs, like other bank and credit union deposit products, are federally insured against bank failures. Depending on the financial institution offering them, CDs are insured by either the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA).</p><p data-webtasks-id="452b40cb-b51b-40e4">CD minimums can run as low as $250 or $500, and you'll find plenty of options with minimums up to $1,000. As for durations, the majority of CDs carry terms of six months to five years, though shorter and longer certificates exist at some banks. Larger deposits and longer terms typically earn higher interest rates, though promotional certificates often break that general rule. The interest rates available on the best-paying CDs are usually in line with the current inflation rate, so virtually any rate higher than that is a good deal. Often, online banks and credit unions offer the best CD rates.</p></div>
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<span class="heading-toc" id="toc-maximizing-your-cd-rate-of-return" data-webtasks-id="64899d3b-e5cf-4d09"></span> <h2 id="mntl-sc-block_3-0-8" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading" data-webtasks-id="c3a0fc0b-644e-4804"> <span class="mntl-sc-block-heading__text" data-webtasks-id="d38c4385-df8f-44c7"> Maximizing Your CD Rate of Return </span> </h2><!-- end: comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading -->
<p id="mntl-sc-block_3-0-9" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="3ab06f99-20d2-4477">
The No. 1 strategy for earning as much as you can from a CD investment is to diligently shop around for the top rates. After that, the next most important strategy is to keep the funds invested for the CD's full term, so as to avoid incurring an early withdrawal penalty that will reduce your earnings.
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<p id="mntl-sc-block_3-0-10" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="9fbb011c-90ec-47b3">
But unexpected things happen in life, and you may find yourself having no choice but to cash in a CD early. Because of that possibility, you'll be well-served by paying attention to the early withdrawal penalties of different CDs you're considering before you make your final commitment.
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<p id="mntl-sc-block_3-0-11" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="548825ad-f12f-40c9">
It's also useful when comparing two CDs that are fairly similar, to check their compounding periods. The advantage of having interest calculated and <a href="https://www.investopedia.com/terms/c/compoundinterest.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" data-webtasks-id="252a6d0b-d475-465c">compounded</a> more frequently adds up over time, so look to avoid CDs that offer only annual compounding.
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<p id="mntl-sc-block_3-0-12" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="8a2d7514-cb46-4a1d">
While CDs are traditionally a fixed-rate investment, <a href="https://www.investopedia.com/terms/v/variable-rate-certificate-of-deposit.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" data-webtasks-id="f6a7aa3b-6e6c-4aa6">variable-rate CDs</a> do exist. If you think interest rates are likely to rise significantly, you can benefit from a certificate whose interest rate is adjusted during the term of the CD. These certificates are sometimes called "raise your rate" or "step up" CDs.
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<p id="mntl-sc-block_3-0-13" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="fc16f252-da6e-46df">
Meanwhile, indexed or structured CDs offer you the chance to earn a percentage of the return on a stock index or commodity index. This can result in a much higher return than a traditional CD's—but for a trade-off of much more risk.
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<span class="heading-toc" id="toc-rate-collection-methodology-disclosure" data-webtasks-id="5775b379-8417-4095"></span> <h2 id="mntl-sc-block_3-0-14" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading" data-webtasks-id="144c46a4-f00e-49cb"> <span class="mntl-sc-block-heading__text" data-webtasks-id="52d2177e-b770-439b"> Rate Collection Methodology Disclosure<br data-webtasks-id="54f4a65f-b404-488d"> </span> </h2><!-- end: comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading -->
<p id="mntl-sc-block_3-0-15" class="comp mntl-sc-block mntl-sc-block-html" data-webtasks-id="781d77ef-469a-45ab">
Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide, and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (<a href="https://www.investopedia.com/terms/f/fdic-insured-account.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="fe86caef-11a9-4a3d">FDIC</a> for banks, <a href="https://www.investopedia.com/terms/n/ncua-insured-institution.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2" data-webtasks-id="85087c3f-7e71-49a9">NCUA</a> for credit unions), and the CD's minimum initial deposit must not exceed $25,000.
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Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, <a href="https://www.investopedia.com/methodology-for-savings-accounts-and-certificates-of-deposit-rankings-7255816" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" data-webtasks-id="fa917ba1-1f1e-4ae1">read our full methodology</a>.
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