Highest-Yielding 1-Year CD on May 16, 2025 - CD Boasts Rate 2.5 Times Higher than National Average
Today's Top Certificate of Deposit (CD) Rates
Let's dive into the hottest CD rates offered by various United States financial institutions as of mid-May 2025.
National Banks & Online Institutions
| Institution | Term | Rate | Notes ||-------------------------|-------|--------|-----------------------------------------|| Colorado Fed Savings | 6m | 4.45% | || UMB Bank | 3m | 4.41% | || Rising Bank | 6m | 4.41% | Min Deposit: $1,000 || Salem Five Direct | 6m | 4.40% | || Popular Direct | 6m | 4.40% | Min Deposit: $10,000 || Bread Savings | 6m | 4.35% | Min Deposit: $1,500 || CIBC U.S. | 6m | 4.31% | Min Deposit: $1,000 |
Credit Unions & Specialized Offers
- T Bank and Abound Credit Union: 4.60% APY available for 6 months (T Bank) and 10 months (Abound) as of late April 2025.
- California Coast Credit Union: 5-month "Celebration Certificate" at 9.5% APY for deposits up to $3,000, available to members. Larger deposits receive a lower rate.
- FivePoint Credit Union: 12-month CD at 4.76% APY (eligibility required).
Jumbo and Specialty CDs
- 18-month CDs: Top rate is 4.50% APY for both standard and jumbo CDs.
- Longer-term CDs (2–5 years): Jumbo CDs from credit unions, such as Lafayette Federal Credit Union and Hughes Federal Credit Union, offer rates between 4.28% and 4.34% APY.
Key Takeaways
- Short-term (3–6 months) CD rates typically range from 4.31% to 4.60% APY, with some institutions offering rates above 9% for special, limited-promotion certificates.
- Credit unions often offer the highest rates, but they may require membership and/or eligibility based on location or other criteria.
- Minimum deposit requirements vary widely, from $500 to $10,000, depending on the institution and product.
For the best possible rate, make sure to check both national banks and credit unions, and be aware of any deposit limits or membership requirements.
In the realm of personal-finance, some online institutions, like Bread Savings and Populard Direct, offer competitive token rates for deposit terms such as 6 months, with rates as high as 4.35% and 4.40% respectively. Furthermore, in the world of Initial Coin Offerings (ICOs), there could potentially be opportunities for astronomical returns, but it's always crucial to conduct thorough research and due diligence before investing.