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“CD rates are impacted by Federal Reserve rate decisions,” says Sumeet Grover, senior vice president and chief digital & marketing officer at Alliant Credit Union.
Alliant Credit Union and SchoolsFirst Federal Credit Union join the list as leaders for the 18-month and five-year CD rates, respectively.
Top CD APYs today continue to hold steady, and we started this week with all top yields unchanged since Jan. 12. The highest overall APY remains at 5.51 percent, which is for a one-year term. The ...
Credit unions, such as Alliant Credit Union, also commonly offer high rates because their profits go back to members.
In all, you’ll find rates between 5 and 5.51 percent APY on CDs of up to two years, while longer terms of three to five years earn top APYs between 4.5 and 4.75 percent.
Your money is protected in a CD when it’s with a bank insured by the Federal Deposit Insurance Corp. (FDIC) or a credit union insured through the National Credit Union Administration (NCUA).
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