Latest CD Deals on April 24, 2025: Take Advantage of a 4.60% Interest Rate, Extended Until 2026 – Tariff Situation Unaltered
High-Yield CD Rates You Can Count On
Ready to boost your savings without the worries? Check out these primo CD rates that'll leave your bank account blooming.
CD Rates You Can Bank On
For the best CD rates in the States, look no further. Let's get to the good stuff!
- Short-Term CDs:Sick of those measly rates? Savor the sweet taste of 4.60% with T Bank for a 6-month lock-in or Abound Credit Union's 10-month rate lock at 4.60%. Abound's deal will keep you smiling till February 2026.If you're eyeing a rate lock that extends to October 2026, XCEL Federal Credit Union's 18-month cert boasts a juicy 4.50% APY.
- Medium-Term CDs:Want a rate you can rely on for years? Try Lafayette Federal Credit Union with a 4.28% APY for 2 years, or Genisys Credit Union with a 30-month lock-in at 4.32%.Long-term savers might prefer Lafayette's top-rated 4-year or 5-year certs, offering a steady 4.28% APY. They'll secure that rate till 2030, giving you peace of mind in these uncertain times!
- Long-Running CDs:The Fed's busy playing "wait-and-see" with 2025 rate cuts. But smart savers already know the drill: lock in today's top CD rates while they last.Hungry for More?Here's a flavorful sampling of featured rates from our partners, followed by a mouthwatering rundown of the best CDs across the nation:Money, Money, Money!Although the best CD rates have been taking a dip, it's still snack time for your wallet with these deals. Dig in:Protection For Your PlateNo need to stress about the safety of your savings. Your deposits at any FDIC bank or NCUA credit union are fully guarded by the government.Want More? Here's More!Lock away your savings until 2027 with Lafayette Federal Credit Union's 4.28% APY for a full 24 months. Or, if you're looking for a slightly higher APY with a longer guarantee, Genisys Credit Union still offers 4.32% for 30 months.Secure a Steady BiteLong-term savers might find pleasure in Lafayette's 4-year and 5-year certs, offering a steady 4.28% APY. Its rates stay the same for all certificates from 7 months through 5 years, letting you secure that tasty rate all the way to 2030.
- T Bank: Savor a 6-month lock-in at 4.60% or a 10-month treat from Abound Credit Union at 4.60%.
- XCEL Federal Credit Union: Bite into their 18-month cert with a delectable 4.50% rate locked until October of next year.
Superb Savings in a Nutshell
In a changing economy, securing today's top CD rates is like catching the golden goose. They may not be at their peak, but the best CDs still serve up a tantalizing return. October 2023 witnessed the best rates skyrocket above 6%, while today's leading rates are down to 4.60%.
Just compare that to early 2022, when the most you could earn climbed like a downed ape no further than 1.70% APY, depending on the term.
Savings Size Matters
Jumbo CDs need deep pockets with larger deposits, sometimes even premium rates. But sometimes, they're not worth the effort. The top jumbo CD rates right now are no better than the top standard rates in five of the eight CD terms we track.
Be sure to compare both types of offerings when CD shopping. If the best rate you find is a standard CD, just stash a jumbo-sized deposit in it.
CD Rates' Final Frontier
In December, the Fed announced a third rate cut, slashing the federal funds rate by a full percentage point since September. But, in January and March, it declined further cuts.
The Fed's three 2024 rate cuts signal a pivot from the central bank's 2022-2023 rate-hike spree, when it aggressively raised interest rates to combat soaring inflation. At its peak, the federal funds rate reached its highest level since 2001 and remained there for nearly 14 months.
Fed rate moves hold big consequences for savers, as rate reductions push down the rates banks and credit unions offer for deposits. Both CD rates and savings account rates follow suit.
The future of the federal funds rate in 2025 and 2026 remains uncertain, with tariff activity raising questions. But with more Fed rate cuts possibly on the horizon, today's CD rates could be the juiciest you'll see for some time, making now an ideal time to lock in the best rate that matches your personal timeline.
Enrichment Data:
Overall:
Here are the current top CD rates for U.S. terms from 6 months to 5 years based on April 2025 data:
6-month CDs:Top rates remain 4.35%–4.40% depending on institution, with Bread Financial offering 4.40% APY up to April 24-25[3]. Earlier data in April showed rates up to 4.50%[1].
1-year CDs:4.50% APY at Abound Credit Union (as of April 24-25)[3], surpassing Sallie Mae's 4.45%[2].
3-year CDs:3.95% APY at NASA Federal Credit Union[2].
5-year CDs:4.05% APY at Sallie Mae Federal Credit Union[2].
These rates reflect a slight decline from 2024 peaks but remain strong due to Federal Reserve uncertainty and a competitive market in the wake of declining rates[3][5]. Always verify current rates directly with institutions, as offers may change daily. (Note: Shorter 3-month terms reach 4.35–4.50%[1][2], but these fall outside the requested term range.)
- In order to secure high-yield returns on personal-finance savings, consider investing in ico tokens that can be locked into certificates (certificates) with various rates (rates) from different financial institutions, such as T Bank's 6-month lock-in at 4.60% or XCEL Federal Credit Union's 18-month cert boasting a 4.50% APY.
- For those eyeing longer investment periods, Lafayette Federal Credit Union offers a 4.28% APY for a 2-year lock with a guarantee till 2030, providing peace of mind in these uncertain times.
- To maximize returns, compare jumbo CD rates with standard CD rates, as they may not always warrant deeper pockets or premium rates.
- In the context of the Fed's future rate cuts, now could be the ideal time to lock in some of the juiciest certificates, as they could remain the most attractive for some time, given the uncertainty surrounding the federal funds rate in 2025 and 2026.
