Deposit Diary Daily #229
Best Nationally Available CDs, 9 January 2025
Recent Changes
Rate Increases
Luana Savings Bank • 5-year Certificate of Deposit • 4.09% (↑5 bps) ($100k), 3.94% (↑5 bps) ($2k)
Michigan State University Federal Credit Union • 7-year Certificate • 4.00% (↑20 bps) ($100k)
Rate Decreases
All In Credit Union • 6-month Jumbo / Term Certificate • 4.54% (↓11 bps) ($100k) / 4.49% (↓10 bps) ($1k)
All In Credit Union • 12-month Jumbo / Term Certificate • 4.44% (↓15 bps) ($100k) / 4.39% (↓15 bps) ($1k)
Sandia Area Credit Union • 12-month Certificate • 4.25% (↓15 bps) ($500)
Popular Direct • 18-months Popular Direct CD • 4.25% (↓5 bps) ($10k)
Popular Direct • 24-months Popular Direct CD • 4.20% (↓5 bps) ($10k)
Popular Direct • 36-months Popular Direct CD • 4.15% (↓10 bps) ($10k)
Popular Direct • 48-months Popular Direct CD • 4.15% (↓5 bps) ($10k)
Popular Direct • 60-months Popular Direct CD • 4.10% (↓15 bps) ($10k)
INOVA Federal Credit Union • 6-year CD • 3.65% (↓10 bps) ($200)
Highest Rate Nationally Available CDs
The highest rate nationally available CDs from banks and credit unions as of January 9, 2025 are listed below.
5-9 Month CDs
Credit Union of New Jersey • 4.75% ($500) • 7-months Share Certificate Special
Finworth • 4.75% ($50k) • 6-months Certificate of Deposit
1-Year CDs
ClearPath Federal Credit Union • 5.00% ($5k new money) • 13-month Special Certificate
Eagle Bank • 4.60% ($1k) • Personal 12-month CD (not available in NV or VT)
18-month CDs
XCEL Federal Credit Union • 4.50% ($500) • 18-months Certificate
My eBanc • 4.40% ($50k) • 18-month Jumbo Online Time Deposit
2-Year CDs
Library of Congress Federal Credit Union • 4.37% ($500) • 18-23 months Certificate
Credit Human • 4.35% ($500) • 24-35 month Share Certificate
3-Year CDs
Credit Human • 4.35% ($500) • 24-35 month Share Certificate
KS StateBank • 4.20% ($500) • 3-year CD
4-Year CDs
KS StateBank • 4.25% ($500) • 4-year CD
Library of Congress Federal Credit Union • 4.16% ($500) • 36-47 months Certificate
5-Year CDs
Mountain America Credit Union • 4.25% ($500) • 60-month Standard Certificate
KS StateBank • 4.25% ($500) • 5-year CD
Over 5-Year CDs
KS StateBank • 4.30% ($500) • 7-year CD
Credit Human • 4.11% ($500) • 60-83 month Share Certificate
Spreadsheet
The attached spreadsheet shows the current top ten nationally available CDs (five from banks/five from credit unions). The links go directly to each financial institution’s rate page or product landing page.
The spreadsheet also lists the four CDs that were removed from the Summary because of availability (1), rate drop (1), or uncompetitive rate (2).
