The holiday weekend has CD rates quietly holding steady at historic levels—meaning you still have the option to score 6.00% APY on an 8-month certificate from Securityplus Federal Credit Union. Beware, however, that this promotional CD is advertised as available only through Nov. 30.
A couple of runners-up offer longer terms: either an 11-month CD from West Town Bank & Trust offering 5.77% APY or an 18-month certificate from Seattle Bank that pays 5.80% APY. In addition, another 10 CDs in our daily ranking pay at least 5.75% APY.
- The top nationwide CD rate held steady at 6.00% for an 8-month term, but it expires Nov. 30.
- There are 12 additional offers in our daily ranking of the best CDs that pay at least 5.75%.
- The top jumbo CD rate is currently 5.85% APY, available on a 1-year certificate from either State Bank of Texas or All In Credit Union.
- Based on encouraging inflation data released last week, markets anticipate the Fed to maintain interest rates rather than raise them, suggesting that CD rates may not climb any higher—and could actually start declining.
Below you’ll find featured rates available from our partners, followed by details from our complete ranking of the best CDs available nationwide.
If you’re looking for a nationwide CD paying a top rate of at least 5.75%, the longest term available is 18 months. But if you want to secure one of today’s historically high rates for longer, you can lock in 5.60% APY for 2 years or 5.50% APY for 3 years. Still not long enough? You can get a 4-year CD with a rate of 5.20% or a 5-year CD that pays 5.25% APY.
If you have enough to make a jumbo deposit of $50,000 or $100,000, you can stretch your rate in the 1-year term—earning 5.85% from two different contenders—and the 2-year term, with a top rate of 5.68% APY.
When asked if they were choosing more or less of certain investments during recent market events in November, 28% of Investopedia readers said they were choosing CDs. This is slightly down from what readers told us in October, when 29% of investors said they were choosing CDs over stocks. Additionally, 14% of readers said they would open a CD if they had an extra $10,000 to invest, which was just behind the 15% who said they’d put it in individual stocks.