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Best CD rates for May 22, 2024. The best rates of return are found at FDIC-insured digital banks and online accounts, with the highest yields of up to 5.40% APY at NexBank on a 12-month term with ...
The top-earning CD today is a nine-month option that earns 5.75 percent APY. The most competitive one-year CD isn't far behind, with a yield of 5.67 percent APY.
The best APY on a widely available CD remains 5.51%, offered on a one-year term. Highest-yielding terms range from three months to two years, for which the top earners pay 5.00% APY or more.
Yet today's competitive high-rate environment means you can lock in up to 5% APY and higher — at least 10 times the 0.47% national average of a traditional savings account — on short-term CDs ...
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.
Most CDs earn a fixed APY, so your rate will be locked in, even if rates on new CDs go down. Today’s highest available CD yield remains at 5.6 percent APY, which is for a term of nine months.
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