Deposit Diary Daily #323
Best Nationally Available CDs, 10 April 2025
What’s Happening
A total of 14 CDs were removed from the Summary, including two competitive 15-month CDs that are no longer available:
Utah Community Credit Union • 4.85% ($500) •15-month Standard Certificate
Langley Federal Credit Union • 4.85% ($500) •15-month Fixed Rate Certificate
Twelve other CDs were removed following substantial rate drops of 10-60 bps.
Credit Human and Luana Savings Bank lowered rates on three Share Certificate and six Traditional Certificates, respectively.
Recent Additions and Rate Changes
Newly Added
Credit One Bank • 7-month Jumbo Certificate • 4.55% ($100k)
ableBanking • 6-month CD • 4.50% ($5k)
Bask Bank • 6-months CD • 4.45% ($1k)
CommunityWide Federal Credit Union • 18-months CW Certificate • 4.20% ($1k))
Newtek Bank • 18-month Certificate of Deposit • 4.20% ($2.5k)
NASA Federal Credit Union • 15-months Share Certificate • 4.20% ($2.5k)
Newtek Bank • 24-month Certificate of Deposit • 4.20% ($2.5k)
Popular Direct • 24-months Popular Direct CD • 4.15% ($10k)
Marcus by Goldman Sachs • 3-year High Yield CD • 4.00% ($500)
Prime Alliance Bank • 36-month Certificate of Deposit • 4.00% ($500)
Utah Community Credit Union • 48-month Standard Certificate • 4.20% ($500)
Popular Direct • 48-months Popular Direct CD • 4.00% ($10k)
Bread Financial • 5-year CD • 4.00% ($1.5k)
Rate Increases
EagleBank • Personal 18-month CD • 4.40% (▲15 bps) ($1k)
EagleBank • Personal 24-month CD • 4.45% (▲5 bps) ($1k)
First National Bank of America • 84-months Time Certificate of Deposit • 3.90% (▲9 bps) ($1k)
First National Bank of America • 72-months Time Certificate of Deposit • 3.90% (▲9 bps) ($1k)
Rate Decreases
Library of Congress Federal Credit Union • 12-17 months Traditional Certificate • 4.42% (▼5 bps)
Credit Human • 18-23 month Share Certificate • 4.11% (▼9 bps)
Library of Congress Federal Credit Union • 24-35 months Traditional Certificate • 4.06% (▼16 bps)
Luana Savings Bank • 36-month Certificate of Deposit Special • 4.04% (▼15 bps) ($100k), 3.89% (▼15 bps) ($2k)
Luana Savings Bank • 48-month Certificate of Deposit • 4.04% (▼15 bps) ($100k), 3.89% (▼15 bps) ($2k)
First National Bank of America • 48-months Time Certificate of Deposit • 3.91% (▼9 bps) ($1k)
Credit Human • 36-59 month Share Certificate • 4.11% (▼10 bps)
Luana Savings Bank • 5-year Certificate of Deposit • 4.04% (▼15 bps) ($100k), 3.89% (▼15 bps) ($2k)
Credit Human • 60-83 month Share Certificate • 4.20% (▼11 bps)
Luana Savings Bank • 6-year Certificate of Deposit • 3.84% (▼10 bps) ($100k), 3.68% (▼11 bps) ($2k)
Highest-Rate Nationally Available CDs
The highest-rate nationally available CDs from banks and credit unions as of April 3, 2025 are listed below.
5-9 Month CDs
INOVA Federal Credit Union • 4.65% ($200) • 5-month Special CD
Security State Bank • 4.60% ($25k) • 6-month Internet CD
1-Year CDs
ClearPath Federal Credit Union • 5.00% ($5k new money) • 13-month Special Certificate
Security State Bank • 4.65% ($25k) • 12-month CD Special
18-month CDs
XCEL Federal Credit Union • 4.50% ($500) •18-months Certificate
EagleBank • 4.40% (▲15 bps) ($1k) • Personal 18-month CD
2-Year CDs
EagleBank • 4.45% (▲5 bps) ($1k) • Personal 24-month CD
Lafayette Federal Credit Union • 4.33% ($100k) • 2-year Jumbo Certificate
3-Year CDs
Hughes Federal Credit Union • 4.34% ($99k) / 4.29% ($50k) • 30-month Jumbo / Mini Jumbo Certificate
KS StateBank • 4.15% ($500) • 3-year CD
4-Year CDs
Vibrant Credit Union • 4.40% • 48-month CD
KS StateBank • 4.15% ($500) • 4-year CD
5-Year CDs
Lafayette Federal Credit Union • 4.33% ($100k) • 5-year Jumbo Certificate
Synchrony Bank • 4.15% (no min) • 60-month CD
Over 5-Year CDs
KS StateBank • 4.30% ($500) • 7-year CD
Credit Human • 4.20% (▼11 bps) ($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) in eight different term lengths. The links go directly to each financial institution’s rate page or product landing page.
The spreadsheet also lists the 14 CDs that were removed from the Summary because of availability (2) or rate drop (12).
