Best Cd Rates Bankrate - Best Jumbo CD Rates For April 2024.

The 2024 rate environment has seen higher rates on the best one-year CDs compared to three- or five-year CDs. 25% APY for a one-year CD, $100,000 minimum deposit for APY Suncoast Credit Union – 5. Use Bankrate to find the best money market funds. Note: Annual percentage yields (APYs) shown are as of March 18, 2024. hazmat test answers 2021 quizlet The bank’s CD rates are highly competitive with the best online banks, and no minimum. 36 percent, and it’s offered on a one-year term from CIBC Bank USA, requiring a $1,000 minimum deposit. 15 percent APY by the end of 2024, McBride forecasts, while predicting top-yielding one-year CDs to pay a significantly. Best CD rates; Best 6-month CD rates; Bankrate Monitor (BRM) rate averages: On a weekly basis, we also collect APRs from the 10 largest banks and thrifts in 10 of the biggest U. Compare savings accounts to find the best rates. Here are the rates for the standard CDs offered by Chase: Term. Best for 18-Month CDs: Synchrony Bank Certificates of Deposit — 4. CDs need to be opened in person at a branch, and a $500 minimum deposit is required. However, you must visit a branch to view all of the bank's terms and yield options, and you must visit a branch. You'll open five CDs with terms ranging from one year to five years as follows: $500 into a one-year CD. One year CD Rates are generally comparable to or a little higher than their savings …. 5 min read Apr 16, 2024 Top CD Rates Today: April 15, 2024 | 5. Zions Bancorporation - Best for 1-Year CDs. Apr 11, 2024 · The top APY across CD terms recently increased to 5. 24 hour tire repair shop near me Best for End-of-Term Reminder: Bask Bank. craigslist reno tires for sale by owner The highest rate offered as of this review is on the credit union’s one-year certificate. Bankrate’s picks for the top no-penalty CD rates America First Credit Union : 5. Best CDs For Short-Term (less than 1 year) If you head down to your local bank and ask their CD rates you're going to find rates that are almost 0%. In today’s digital age, streaming music has become the norm. Up, up and away: As the Federal Reserve has raised interest rates to combat inflation, CD rates have reached—and surpassed—the 7% milestone. With so many options, you can find a CD with an opening deposit requirement that. Find the best 6-month CD rates for your savings goals. If you'd like a CD with a shorter term than one year, today's best rate on a six-month CD is 4. If you’d prefer a CD with a shorter term than one year, today’s best rate on a. Greg McBride, CFA, Bankrate’s chief financial analyst, predicts two Fed. Below are the best one-year CD Rates from banks in Wisconsin. The rule applies even though you’re not able to cash in most CDs until their maturity date. arby close to me Minimum deposit requirement: 21. If you’d prefer a CD with a shorter term than one year, today’s best rate on a six-month CD is 5. According to the FDIC, the national average rate on a 24-month CD sits at 1. Note: Annual percentage yields (APYs. com is an independent, advertising-supported publisher and comparison service. Find the best CD rates for terms from 3 months to 5 years. The highest current CD rates in California are near or slightly above 5. Rates are accurate as of April 2, 2024. LendingClub Bank – Best for High Interest Rates. Market-linked CDs are a form of security deposit whose performance is linked to a security or a variety of securities. Certificates of Deposit (CDs) are a popular choice for individua. The "Bankrate Partner average" is calculated from the average of the top savings account offers from the. Depositing $25,000 in a one-year CD that earns a yield of 0. For a longer 18 months, you can earn up to 5. To compile our list of the best fixed annuity rates, Forbes Advisor researchers gathered product information on 215 fixed annuities sold by the 75 largest issuers in the country. 55% and higher, depending on the CD’s term. Its savings and money market accounts rank up there, too, as do its CD rates. Then, you have $350,000 in total FDIC. Bankrate's picks for best online banks of 2024. A bump-up CD gives you the option to increase your CD’s annual percentage yield (APY) to help protect against rising rates. It pays interest over a specific period of time, ranging from six months to five years. Today's top nationwide CD rate is 5. As of Sunday, April 21, 2024, current mortgage interest rates are 7. One year CD Rates are generally comparable to or a little higher than their savings and money market …. Currently, the highest APY offered in New York is 5. 50% or higher for a 1-year term. While most terms earn very little interest, KeyBank currently offers two promotional rates, on its eight- and 11-month terms, that are very competitive. Find the best credit card for you. Where can I find a bank or credit union with high CD interest rates? https://www. Note: Annual percentage yields (APYs) shown are as of April 18, 2024. com provides an annuity calculator and other personal finance investment calculators. The one-year CD earns one of the best rates around, and the two savings accounts. 05 percent APY on a four-month CD with a balance of at least $1,000. Some banks offer tiered interest rates. 30% APY, no minimum deposit America First Credit Union — 3 months - 5 years, 4. Synchrony Bank offers many terms of CDs with terms ranging from three months to five years. 30% APY, $500 minimum deposit Popular Direct — 3 months - 5 years. Take a Peek Inside Vilnius Cathedral. com and the institutions themselves as of 03 For high-yield savings accounts, the rate may change after the account is opened. But more notable for those wanting to stretch today's record rates out as long. 00% APY; $20,000 minimum deposit to earn APY · Zions Bank: 0. Last week at this time, the best rate on a three-year CD was 5. If you can hold out for two years, 24-month CDs today are being offered at interest rates as high as 5. This program comes with a checking account and added benefits, including higher limits for transferring or depositing money. CommunityWide Federal Credit Union 5. Note: Annual percentage yields (APYs) shown are as of April 2, 2024. 30% APY; $1,000 minimum deposit. Bank of America's six-month CD. 25% APY for a one-year CD, $100,000 minimum deposit for APY. If you head down to your local bank and ask their CD rates you're going to find rates that are almost 0%. Her work has been featured in Business Insider, The Motley Fool, Bankrate, Investopedia, LendingTree, Student Loan Hero, ValuePenguin. 70% APY with a 12-month CD from Discover. Apr 15, 2024 · An AmEx CD is a straightforward way to lock in a fixed interest rate for your savings. The current national average rate for a 36-month CD is 1. You can take the money and accrued interest and open a brand-new CD with a different rate and term. Read our expert advice and compare the latest offers from Chase. On Friday, top yields dipped on several terms. vichatter omegle 42% Annual Percentage Yield (APY) for 3-month CDs and 5. 60% APY for their certificate of deposit. The highest rate CD often doesn’t have the longest term. Its savings account and money market account earn competitive yields. Charles Schwab CDs offer some of the most competitive rates in the market, outpacing the national average and even some of the top CD rates. A bump-up CD helps you benefit from a rising-rate environment. The top yield across CD terms decreased slightly today to 5. The top nationwide CD rate remains 5. Start saving with a lower deposit requirement. $10,000 minimum deposit to open. Our high-yield Certificates of Deposit accounts give you the opportunity to support a greener, more sustainable future, while investing in your own. Most banks provide a grace period when a CD matures — typically from 7 to 10 days — during which the account holder can choose to renew the CD or withdraw the funds without penalty. You’ll open five CDs with terms ranging from one year to five years as follows: $500 into a one-year CD. TD Bank's bump rates are for customers who have an eligible checking account at TD Bank. CD rates from online banks are commonly twice as high as the national average rates. However, at the time of Bankrate's review, Wells Fargo was offering three special CDs — a four-month, seven-month and an 11-month CD — with higher yields. $2,500 minimum deposit to open. Find the best CD rates by comparing national and local rates. Bread Savings offers one-, two-, three-, four- and five-year CDs with yields far better than. 16, 2024 shows: The national average one-year CD yield was 1. 27% APY, $1,000 minimum deposit. january 2023 chemistry regents answer key 25% APY for a one-year CD, $100,000. term length Select 1 month 6 months 1 year 1. In today’s fast-paced financial world, it’s important to stay informed about the best investment options available. If you'd prefer a CD with a shorter term than one year, today's best rate on a six-month CD is 4. Plus use our tool, in partnership with Bankrate, which automatically updates the rates ensuring you get the most up-to-date CD rates available. 00%—for the time being, at least. 04% APY, $1,000 minimum deposit;. Consider inflation when opening a CD. Quontic Bank Certificate of Deposit: 5. The rates are for those living in the New York tri-state area and could vary by state. Zions Bank offers 10 CD terms ranging from one month to five years. 35- 5% but most are on 3/4 year to …. During the middle of last year, a credit union in. The top rate last week at this time was 5. leaf bags ace hardware Valley National Bank CD overview. Below are the best one-year CD Rates from banks in New Hampshire. The average rate on jumbo CDs is slightly higher than the average rate for standard CDs. Wells Fargo offers a range of Certificate of Deposit (CD) options, including Special Fixed Rate CDs for a duration of 5 months. The bank offers three promotional CD terms of five, eight and 14. The account’s interest is compounded daily and paid monthly. 80% APY, $1,000 minimum deposit. On a five-year CD, the highest rate today is 5. 3 days ago · Bankrate’s picks for the top no-penalty CD rates America First Credit Union : 5. The online bank offers only one savings account, with the same high rate regardless of balance. A month ago, the average rate on a 30-year fixed …. April 2024's Best CD Rates ; Best 1-Year CD Account: Bread Financial · 5. Use Bankrate's auto loan calculator to find out your payment on any car loan. 1 percent in June 2022, which was the highest rate since November 1981. Based on these two rates, if you deposited $5,000 into one account that earns the top yield and. CD calculator; CD ladder calculator; CD rate trends; CD resources; Bankrate CD rating = 4. Vanguard S&P 500 ETF (VOO) With a well-diversified portfolio of stocks from every major sector of the economy, the Vanguard S&P 500 tracks its. assigning each a Bankrate Score out of five stars. The best rate on today's jumbo CDs is 5. Here's how average CD rates have moved from 2010 to 2023, according to CNET's sister site Bankrate. The disc has been declining in sales due to the convenience of digital music. Overview: A high-yield online savings account pays you interest on your cash balance. The current leading CD rate across terms is 5. Over time, Discover Bank's 10-year CD yield has decreased. 3 days ago · Find the best CD rates for terms from 3 months to 5 years. ah4r houston However, there are still many individuals and businesses that rely on CDs and DVDs for data storage and co. Bankrate’s picks for the top 2-year CD rates First Internet Bank of Indiana — 4. Citibank offers its Citi Savings account, which offers a low APY and comes with a monthly service. Synchrony Bank — 6 months - 5 years, 4. How to compare CD rates in California. To open a CD, a minimum of $1,500 is required and must be …. 77 percent and the 15-year equivalent at 8. 70% from NASA Federal Credit Union for 9 months and 5. In today’s digital age, music lovers still appreciate the crisp and authentic sound quality that can only be achieved through high-rated CD players. You'll find yields of 5% or greater on many CD terms. Below are the best one-year CD Rates from banks in Maine. 2 percent, you’d have around $1,052 when the CD matured. The jumbo CD rates are also below the national average. 21% and up, depending on the CD’s term. Cheaper methods costs between $10 to $30. cargurus nissan frontier Last week at this time, the best rate on a three-year CD was also 5. Popular Direct — 3 months - 5 years, 4. In June 2023, Bankrate updated its methodology that determines the national average CD rates. Synchrony Bank offers a wide array of CD types and terms, making this bank. Compare the top-yielding CD rates from thousands of financial institutions and apply online. Bethpage Federal Credit Union offers several traditional. Read on to explore annual percentage yields (APYs) and find out why we. Consider a rewards checking account. Competition among financial institutions provides investors a broad menu of choices when it comes to certificates of. Bankrate monitors top CD rates every weekday, and today’s are listed in the table below. Bankrate's picks for the top IRA CD rates Note: Annual percentage yields (APYs) shown are as of Feb. Open a CD account online today and get Banner Bank's highest CD interest rates up to 4. Best 11-Month CD: USAlliance Financial. $1,000 minimum deposit to open. In March 1980, six-month CD rates averaged 17. LendingClub ’s CDs, which typically range from six months to five years, require a minimum of $2,500 to open. Compare the best One-year CD rates in Memphis, Tennessee, TN from hundreds of FDIC insured banks. NerdWallet's 8 Best IRA CD Rates 2024. NPR reports, this decline repre. 50 percent annual percentage yield (APY). The highest APY on a three-month term dipped to 5. Compare interest rates for CDs, savings, money market, checking and cash management accounts across thousands of banks, credit unions and non-bank financial service providers. 00% APY, and the highest jumbo CD rates for five-year terms are just above 4. Discover Bank has consistently had the highest 10-year CD yield since around May 2022. Rates of at least 5% APY can be found on various CD terms. National averages for CD rates are low compared with what you can find by shopping. Currently, just three financial institutions are. Our team of experts analyzed hundreds of data points and. 13%—a pandemic low, according to FDIC data. 3 percent, Be sure to compare Bankrate’s best investments to determine which vehicles are the right avenue for your growth needs. 50% APY, offered on a three-month term. 00% APY, $1,000 Minimum deposit;. Bankrate provides valuable insights to find the best CD products to maximize your savings. Here’s how you could set it up: 1. First Internet Bank Money Market Savings: Up to 5. Increased Offer! Hilton No Annual Fee 70K + Free Night Cert Offer! If you are looking a high-yield account NASA Federal Credit Union, could be the right institution for you. Are you experiencing difficulties playing CDs on your computer? Don’t worry, you’re not alone. Mar 22, 2024 · The top yield across CD terms decreased slightly today to 5. We have the highest CD Rates at national banks and local banks. Bankrate's home equity calculators can help you figure out how much you can afford, how much you should borrow and more. how long do td ameritrade transfers take We offer highly competitive rates, 1 and opening an account only takes a few minutes. Best CD rates; Best 6-month CD rates; Best 1-year CD rates To determine the BRM mortgage rate averages, Bankrate collects APRs and rates from the 10 largest banks and thrifts in 10 large U. The online bank offers high-yield CDs. Annual percentage yield (APY): 4. Long-term CD allows you to earn a fixed rate of interest over an extended period. CIT Bank: CIT Bank offers an 11-month no-penalty CD. Presidential Bank, Advantage Checking Account: Up to 4. Best for CD Variety: Alliant Credit Union. 1 out of 5 in Bankrate’s overall rating of the bank, while its CDs earned 4. With any investment product, the aim is to grow your money as much as possible. Here are some credit unions offering today's best widely available one-year CD rates: America First Credit Union : 5. 51% APY, offered on a one-year term. Bankrate's experts compare hundreds of the best credit cards and credit card offers to select the best in cash back, rewards, travel, business, 0% APR, balance transfer and more. Bask Bank started offering CDs in October 2022. A link from NPR A link from NPR Today the compact disc or CD turns 30. com (tm) combines 20 years of independent journalism with pioneer new media skills to offer consumers excellent financial information. An add-on CD is a specialty CD that allows you to add more funds to the account after your initial deposit. APY is a representation of how much you’ll earn each year from your CD. San Angelo, Texas CD Rates 2024. 75% APY from Andrews Federal Credit Union, 5. Jumbo CDs offering these rates require a minimum. 60% APY; $1,000,000 minimum balance for APY. the national average interest rate. The free, open source Ophcrack Live CD is a. craigslist carpenter for hire 00% APY can be found on various CD terms. While a five-year CD might have a higher APY, a. 00% or greater on many CD terms. To find the best high-interest rate for you, browse Bankrate's list of the best high-yield savings accounts. Determine why you’re saving the money. One rate bump CD Marcus by Goldman Sachs earned a 4. Many computer users encounter issues when trying to play CDs, but fortunately, there. The following chart is a side-by-side comparison of CDs and bonds that shows where you can buy them, how the money is kept safe and the liquidity of the funds. Here are a few banks that offer no-penalty CDs: Ally Bank: Ally Bank offers an 11-month no-penalty CD with no minimum deposit required to open. In today’s digital age, physical media may seem like a thing of the past. The best CD rates remain around 5% annual percentage yields, particularly for six-month through one-year terms. The leading 18-month CD rate rose for a second day in a row. The highest interest rate currently being offered on a one-year CD—one of the most popular CD terms—is 4. Most estimates and calculators, like this one from the Mayo …. In general, big institutions like Bank of America and Chase Bank are still. To qualify for our best rates, a minimum deposit amount of $5,000 or $50,000 that is new money is required for CDs opened online. 00% APY, $500 minimum deposit Marcus by Goldman Sachs : 4. 55 percent, which is offered on a one-year term. Top CD Rates March 8, 2024: Lock in 5. Bankrate’s rate survey data as of Apr. 25% APY, $1 minimum deposit; CFG Community Bank — 5. There are 10 more offers in our daily ranking of the best CDs that. Like standard CDs, add-on CDs lock in your funds at a fixed rate for the duration of the. If you’d like a CD with a shorter term than one year, today’s best rate on a six-month CD is 5. Bankrate’s top credit cards of 2024. Currently, the highest-yielding rate among one-year CDs that are widely available. Note: Annual percentage yields (APYs) shown are as of April 5, 2024. Bankrate provides valuable insights to find the best CD . 00% or higher can still be found on terms between three and 18. But the central bank has paused rates at its last five …. As of April 15, 2024, the current national high rate for a 6-month CD is 5. National averages are significantly. Best CD Rates in Memphis, Tennessee, TN - April 20, 2024. Best 1-year CD rates; Best 5-year CD rates; Get guidance. To find you the highest 1-year CD rates nationwide, we review CD rates from hundreds of banks and credit unions every day. 30% APY, $10,000 minimum deposit; TAB Bank — 5. Compare the best CD rates today, drawn from our research on about 280 banks and credit unions that …. You can learn more about Amica and obtain a quote at amica. It's offered on a one-year term. The rate of inflation peaked to 9. free cod mobile points no verification 2021 LendingClub Bank - Best for High Interest Rates. CD accounts with higher APYs and daily compounding schedules rose to the top of the list. The best CD rates for 4-year and 5-year CDs are meanwhile below the 5% mark, but you can still lock in. 10% APY (3 months-5 years), $500 minimum deposit America First Credit Union was founded in 1939. Bank offers more competitive rates on its Special CDs. Here’s how average CD rates have moved from 2010 to 2023, according to CNET’s sister site Bankrate. Luana Savings Bank has the best 2 year CD rate at 5. Special CDs come in three terms. Such rock-bottom APYs are hundreds of times lower than the highly. Note: Annual percentage yields (APYs) shown are as of March 15, 2024. The free, open source Ophcrack Live CD is a Windows account password cracking tool designed to help you recover lost Windows passwords. Wells Fargo offers special and standard rate CDs. Our new 1-year leader is Bayer Heritage Federal Credit Union. 00% APY, 12 months, $500 minimum to open. Right now, the best CD rate is 5. By contrast, national averages are only yielding around. The rate offered on the standard one-year CD is very low. CD Rates in Rhode Island April 2024. 10% APY; $5 minimum deposit to open (daily average balance of $100 to earn APY). Bankrate's experts have identified the highest savings account interest rates from top banks. Bank fees Fee Charged? Overdraft fee: None: Non-sufficient funds fee: None: Monthly maintenance fee: $0 - $10:. First Internet Bank of Indiana — 5. Here are a few places to start when comparing money market accounts for the best MMA rate: Vio Bank — 5. Best 1-Year CD: Apple Federal Credit Union. If you download music to your computer, you more than likely want to listen to it at a later date. Bank fees Fee Charged? Overdraft fee: $15: Non-sufficient funds fee: $0: At Chase, standard CD rates are very low across the board. Synchrony also offers a bump-up CD, which allows account holders to request one rate increase during the term, in case the original rate is lower. Investing in bonds requires much of the same research as CDs that mature on differing dates, which is why bond funds are chosen by many investors. The CDs have eight fixed terms, from three months to five years. Some of the best CD rates in Virginia are well over 5. In addition to choosing a CD based on APY, be sure to pick a term that suits your financial goals. With just a few clicks, we can access an endless library of songs from various platforms. Top rates for one-year CDs exceeded 5% at the end of last year, but Bankrate predicts 2024 will close with an average APY of 4% for a one-year CD. Best 3-month CD rates; Best 6-month CD rates; Best 1-year CD rates; Best 5-year CD rates; Best 10-year CD rates; Best IRA CD rates; Best no-penalty CD rates; …. National average CD yields rose steadily in 2023, as the Federal Reserve continued to hike interest rates at the fastest pace since the 1980s. Note: Annual percentage yields (APYs) shown are as of April 8, 2024. Apr 15, 2024 · Today's leading CD rate across terms is 5. *Weekly percentage increase/decrease from April 1, 2024, to April 8, 2024. craigslist monterey county free stuff People may undergo medical evaluations to qualify for sup. When shopping around, you can find rates three times the national. zillow new hampshire homes for sale A fixed-rate bond might offer a 4 percent coupon, for example, meaning it will pay $40 annually for every $1,000 in face value. Bethpage Federal Credit Union CD overview. 49 percent APY, according to Bankrate's most recent national survey of banks and thrifts on Apr. 82% APY, $1,000 minimum deposit TAB Bank — 4. 00%, which is much more than the average account earns. Vio Bank tops our list of the best money market accounts, and the online bank’s 10-year CD may be worth a look if you’re willing to lock your money. Bankrate conducts market research on over 4,000 banks and credit unions nationwide to find accounts with the best CD rates. 81% as of April 15, 2024, according to the FDIC. If you’re interested in a shorter-term CD, today’s best six-month CD rate is. NerdWallet's Best 1-Year CD Rates for April 2024 (Up to 5. If you’re interested in a shorter-term CD, today’s best six-month CD rate is 4. A standard CD is a deposit account that earns a guaranteed yield in exchange for locking in your funds for a set term. NerdWallet's Best 6-Month CD Rates for April 2024. Note: Annual percentage yields (APYs) shown for Ally's High Yield CD were last updated between Apr. CD cases are recyclable, and people can usually recycle them through their community’s recycling center or through a national CD recycling center, such as the CD Recycling Center o. TD Bank’s bump rates are for customers who have an eligible checking account at TD Bank. The APYs are very competitive, and the highest rates are offered on 12- and 18-month terms. 98% for a 15-year fixed mortgage. While Forbes lists the average CD rate as between 0. Forbright Bank offers a full range of personal bank accounts as well as credit cards and loans. The national average savings account pays a 0. First Internet Bank of Indiana — 4. In the world of gaming, there has been an ongoing debate between CD keys and physical game copies. A one-year CD is a great place to keep your money if you won’t need it during the year. For banks and credit unions offering top rates, check out our list of the best CD rates. 00% APY, $1,000 Minimum deposit; CIT Bank CD: 3. The account starts out paying the same APY. 10 Best Jumbo CD Rates of 2024 Best Jumbo CD Rates By Term TermBank/Credit UnionAPYMinimum Deposit3 MonthSchoolsFirst Credit Union4. Enjoy $0 monthly fees and get started with as little as $2,500. Here’s how average CD rates moved from 2010 to 2023, according to CNET’s sister site Bankrate. Best CD rates · Best 6-month CD rates · Best 1 Best home equity loan lenders Compare top Sources: Bankrate data, Bankrate's personal outl. Note: Annual percentage yields (APYs) shown for Ally’s High Yield CD were last updated between Apr. The best rates are more than triple the national average. SchoolsFirst Federal Credit Union. However, the average rate for six-month CDs is 1. The bank also offers jumbo and promotional CDs with rates as high as 5. Best CD rates; Best 6-month CD rates; Best 1-year CD rates; Best 5-year CD rates. 24/7 Customer Service; Digital Leader; Bankrate CD rating = 4. btd 6 mods Bankrate monitors the top and average rates every weekday, and you’ll find today’s top CD rates in the table below. how to factory reset arris modem Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term, if our rate for your term and balance tier goes up. Compare more: Bankrate's best high-yield savings. zillow casey county ky A one-year CD with a $10,000 opening deposit that earns a yield of 5. You'll find APYs of 5% or higher on many CD terms. com rate from an Advertiser, please identify yourself as a Bankrate customer. 01% APY, while non-promotional relationship rates range from 0. CD Rates in Illinois April 2024. Marcus by Goldman Sachs High-Yield CD: Best for CD Rates; Alliant Credit Union Certificate: Best for CD Rates; LendingClub CD: Best for CD Rates; Popular …. Much higher rates on money market. Bank currently earns a rate of just 0. Discover Bank – Best for Website Transparency. Rates can vary by institution, minimum deposit requirements and term length. America First Credit Union currently offers the top rate across terms, which is 5. Valley National Bank offers two standard CD terms (six and 12 months) and one variable rate CD (36 months). An AmEx CD is a straightforward way to lock in a fixed interest rate for your savings. Determine why you're saving the money. The higher the APY, the more you’ll make. Discover Bank - Best for Website Transparency. com offers advice on home equity loans and lines of credit. Alliant Credit Union Certificate: Best for 1-Year CD Rates, 5. Best 1-year CD rates Kenowa Federal Credit Union: 5. CIBC Bank USA offers five online-only CDs called Agility CDs with terms ranging from nine months. A few of Citi’s CD terms (particularly, 9-month, 12-month and 15-month CDs) had very competitive yields during Bankrate’s review. More than 500 banks and credit unions are surveyed weekly to generate the national averages. CD Specials; 3 Months; 6 Months; 12 Months; 18 Months; 24 Months; 36 Months; 48 Months; 60 Months;. An IRA CD is a do-it-yourself retirement savings tool that does not carry the fees that come with trading stocks and having someone manage your portfolio. If you can hold out for two years, 24-month CDs today are being offered at interest rates as high as 4. The best APY on a widely available CD remains 5. As the Federal Reserve begins its March rate-setting meeting, the top rate across terms on certificates of deposit (CDs) remains 5.