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Highest Interest Rates nationwide on May 12, 2025, peaking at 4.50% - Secured borrowing option available up until Fall 2026

Secure your money's growth with ten distinct high-yield CD choices, offering assurances ranging from 3 to 18 months, for a maximum rate of 4.50%. Alternatively, secure a moderate return, locked until 2027, on a lower APY.

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To hit the highest CD rate of 4.50% nationwide, there are ten diverse choices available, each with...
To hit the highest CD rate of 4.50% nationwide, there are ten diverse choices available, each with assurances ranging from 3 to 18 months. Alternatively, secure a slightly lower APY until the year 2027.

Top CD Rates You Can Lock In Today

Highest Interest Rates nationwide on May 12, 2025, peaking at 4.50% - Secured borrowing option available up until Fall 2026

Want to boost your savings in these uncertain times? Check out the hottest CD rates Nationwide! Here are the top picks for you:

  1. PonceBankDirect offers a sizzling 3-month CD with a whopping 4.50% APY! That means you can secure a decent return in just 12 weeks.
  2. If you're looking for a longer commitment, XCEL Federal Credit Union serves up an 18-month CD with the same sizzling 4.50% APY as our favorite short-term option. Enjoy your returns all the way until November 2026!
  3. In the mood for a mid-term investment? PenAir Credit Union tempts us with a 21-month CD boasting a guaranteed 4.40% APY, locking your rate until early 2027.
  4. Want to save even longer? Take a peek at the top rates for 3-year through 5-year certificates. Rates range from 4.28% to 4.32% across various institutions!

The Federal Reserve hasn't hinted at resuming rate cuts yet, but experts predict reductions might occur in 2025. Securing one of today's top CD rates could be a smart move in today's volatile economy.

Now let's explore some featured rates from our partners, followed by our exclusive ranking of the top CDs available nationwide:

Lock in a Stellar Return Until 2026 with the Top CD Rate in the Nation!

Maintaining a steady 4.50% APY, you have plenty of ways to secure this rate:

  • Start small with a 3-month certificate from PonceBankDirect.
  • Or, for terms between 6 to 13 months, eight institutions proudly offer the same 4.50% APY.
  • For the longest end, XCEL Federal Credit Union promises its 4.50% APY for 18 months, offering you a secure return from now until November 2026.

Your Deposits are Safely Insured, No Matter the Size of the Institution!

Your funds are secure, no matter where you store them! At any FDIC bank or NCUA credit union, your deposits are federally insured for up to $250,000 per person and per institution. So save big without worrying about the safety of your money.

Secure Your Rate for Almost Two Years!

  • Looking for a 21-month rate lock? PenAir Credit Union sets the bar high with a 4.40% APY guaranteed rate, keeping your money comfy until February 2027.
  • If you prefer a slightly longer guarantee, stretch out with a 30-month term from Genisys Credit Union at a slightly lower 4.32% APY.

Longer-Term CDs Keep Your Rate Guaranteed Further Down the Road!

  • For a 4-year or 5-year certificate, secure a 4.28% rate from Lafayette Federal Credit Union. They pride themselves on offering the same rate across all their certificates from 7 months through 5 years, giving you the option to secure that rate as far as 2030.

Multiyear CDs seem like smart investments now, given the possibility of Fed rate cuts in late 2025, and perhaps also in 2026. Lock in your rate today, and enjoy the peace of mind knowing it will be yours until maturity.

Brace yourself, as we explore how a recent Jobs Report could impact your savings strategy:

CD Rates Still Offer Historical High Returns, Even Though They're Not at Their Peak!

  • Despite recent drops, the best CDs still shine, offering returns that were unimaginable just a year ago. Remember when the highest rates were barely more than 1% APY?

Jumbo CDs sometimes Outshine Regular CDs, Especially for Specific Terms!

  • While jumbo CDs may require larger deposits, they're worth considering for specific terms. Here's where jumbo CDs currently outperform regular CDs:
  • 1-year and 18-month CDs: The top standard and top jumbo CDs pay the same 4.50% APY.
  • 6 months: Credit One Bank offers a slightly higher 4.55% for a 6-7 month jumbo CD compared to the top standard rate of 4.50%.
  • 3 years: Hughes Federal Credit Union offers 4.34% for a 3-year jumbo CD, compared to the top standard rate of 4.32%.
  • 4 years: Lafayette Federal Credit Union offers a 4.33% jumbo CD, compared to the top standard rate of 4.28%.
  • 5 years: Both GTE Financial and Lafayette Federal Credit Union offer 4.33% for jumbo 5-year CDs, compared to the top standard rate of 4.28%.

With these delightful rates, securing your financial future has never been this scintillating! Always remember to compare both standard and jumbo offerings when CD shopping. Happy savings!

  1. In the realm of personal finance and investing, some institutions offer attractive rates for Initial Coin Offerings (ICO) and Initial Exchange Offerings (IEO), allowing individuals to secure their investment returns with guaranteed token returns.
  2. For those interested in traditional finance, they might consider investing in a high-yield Certificate of Deposit (CD) to boost their savings. Stellar returns are available, with the top CD rate offering a 4.50% Annual Percentage Yield (APY) for terms ranging from three months to over four years.
  3. Whether one chooses to invest in tokens through ICO/IEO or secure their returns with a CD, it's essential to research and compare the options available, as some jumbo CDs may outperform regular CDs for specific terms, offering higher returns for greater initial deposits.

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