Deposit Diary Daily #330

Best Nationally Available CDs, 17 April 2025

What’s Happening

A total of 18 CDs have been removed from the Summary, including 13 CDs with substantial rate decreases offered by All In Credit Union, Credit Human, INOVA Federal Credit Union, Luana Savings Bank, and Popular Direct.

While there are 17 “Newly Added” CDs in this week’s Summary, none offer rate-leading APYs.

Recent Additions and Rate Changes

Newly Added

• My eBanc • 6-month Jumbo Online Time Deposit • 4.55% ($50k)

• Bread Financial • 6-month CD • 4.50% ($1.5k)

• Genisys Credit Union • 7-months Certificate Special • 4.48% ($500)

• T Bank • 12-month Online CD • 4.50% ($500)

• Justice Federal Credit Union • 13-months Share Certificate • 4.50% ($100k), 4.40% ($500), additional 10 bps w/checking

• Sallie Mae Bank (Raisin) • 27-month High Yield CD • 4.25% ($1)

• Genisys Credit Union • 25-months Certificate Special • 4.22% ($500)

• Langley Federal Credit Union • 24-month Fixed Rate Certificate • 4.11% ($500)

• UNCLE Credit Union (Raisin) • 36-month High Yield CD • 4.20% ($1)

• Utah Community Credit UnionU • 36-month Standard Certificate • 4.15% ($500)

• Synchrony Bank • 36-month CD • 4.00% (no minimum)

• Bread Financial • 3-year CD • 4.00% ($1.5k)

• GTE Financial • 48-months Jumbo / Share Certificate • 4.18% ($100k) / 3.92% ($500)

• Merrick Bank • 48-month CD • 4.00% (▲20 bps) ($25k)

• NASA Federal Credit Union • 60-months Share Certificate • 4.10% ($10k)

• Advancial • 5-years Jumbo Certificate • 4.09% ($50k)

• Merrick Bank • 60-month CD • 4.05% (▲20 bps) ($25k)

Rate Decreases

• Vibrant Credit Union • 6-month CD • 4.50% (▼10 bps)

• Vibrant Credit Union • 13-month CD • 4.50% (▼10 bps)

• Vibrant Credit Union • 48-month CD • 4.20% (▼20 bps)

• Luana Savings Bank • 48-month Certificate of Deposit • 4.04% (▼15 bps) ($100k), 3.89% (▼15 bps) ($2k)

• Popular Direct • 60-months Popular Direct CD • 4.05% (▼10 bps)

• Credit Human • 60-83 month Share Certificate • 4.15% (▼5 bps)

• Michigan State University Federal Credit Union • 7-year Jumbo Certificate / Certificate • 3.90% (▼10 bps) ($100k) / 3.75% (▼10 bps) ($2.5k)

• Luana Savings Bank • 6-year Certificate of Deposit • 3.79% (▼5 bps) ($100k), 3.63% (▼5 bps) ($2k)

Highest-Rate Nationally Available CDs

The highest-rate nationally available CDs from banks and credit unions as of April 17, 2025 are listed below.

5-9 Month CDs

• Security State Bank • 4.60% ($25k) • 6-month Internet CD

• Vibrant Credit Union • 4.50% (▼10 bps) ($5) • 6-month 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% ($1k) • Personal 18-month CD

2-Year CDs

• EagleBank • 4.45% ($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

• Lafayette Federal Credit Union • 4.33% ($100k), 4.28% ($500) • 4-year Jumbo/Certificate

• 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 • 4.15% (▼5 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 18 CDs that were removed from the Summary because of a rate drop (13) or an uncompetitive rate (5).

Dq Cd Rates 17 Apr 2025

18.5KB ∙ XLSX file

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