Deposit Diary Daily #401
Best Nationally Available CDs, 26 June 2025
What’s Happening
While the majority of nationally available CD rates continue to tread the financial waters, three of the “Newly Added” CDs are new products. The most competitive of the new additions is the 9-month CD (4.60%) offered by Seattle Bank on the CD Valet website.
According to an email I received,
Exclusive offer for our email subscribers: Earn 4.60% APY* on a 9-month CD with Seattle Bank, not yet listed on the CD Valet website or available anywhere else. Secure this high-yield CD today.
The link I’ve included goes to the CD Valet landing page for the Seattle Bank 9-month CD.
FYI - Seattle Bank launched CD Valet in November 2022 as “A One-Stop Shop For Unbiased Certificate of Deposit Rates.” According to a Seattle Bank press release,
Key features of the site include daily rate updates and a “Promos” section spotlighting exceptional CD offers with unique maturities, rate-adjustment options and add-on capabilities. CD Valet also provides portfolio management tools to track earnings and maturities, as well as calculators to determine the cost of breaking an existing CD and reinvesting in a new CD for a potentially higher return.
This description may sound familiar to those who followed Deposit Accounts. They say imitation is the sincerest form of flattery.
Recent Additions and Rate Changes
Newly Added
Seattle Bank (CD Valet) • 9-month CD • 4.60% ($1k)
Elements Financial • 13-month Fixed Rate Share Certificate • 4.40% ($1k)
Pacific National Bank • 12-month Online CD Special • 4.40% ($1k)
Luana Savings Bank • 24-month Special Certificate of Deposit • 4.30% (▲11 bps) ($100k), 4.14% (▲10 bps) ($2k)
Rate Increases
T Bank • 12-month Online CD • 4.55% (▲5 bps) ($500)
Luana Savings Bank • 36-month Special Certificate of Deposit • 4.24% (▲10 bps) ($100k), 4.09% (▲10 bps) ($2k)
Rate Decreases
Northrop Grumman Federal Credit Union • 84-month Bonus Term Savings CD • 3.60% (▼6 bps) ($40k)
Removal, Rate Decrease
Newtek Bank • 9-month Certificate of Deposit Special • 4.45% (▼15 bps)
Rising Bank • 6-month CD • 4.36% (▼15 bps)
Rising Bank • 1-year CD • 4.21% (▼24 bps)
Removal, Uncompetitive Rate
Genisys Credit Union • 7-months Certificate Special • 4.37%
My eBanc • 24-month Jumbo Online Time Deposit • 4.20%
Highest-Rate Nationally Available CDs
The highest-rate nationally available CDs from banks and credit unions as of June 26, 2025 are listed below.
5-9 Month CDs
Seattle Bank (CD Valet) • 4.60% ($1k) • 9-month CD
CommunityWide Federal Credit Union • 4.50% ($1k) • 6-months CW Certificate
1-Year CDs
T Bank • 4.55% (▲5 bps) ($500) • 12-month Online CD
GECU • 4.54% ($50k) / 4.44% ($50) • 12-month Senior Privilege Jumbo / Fixed-Rate Certificate
18-month CDs
Hughes Federal Credit Union • 4.50% ($99k) / 4.45% ($50k) • 17-month Jumbo / Mini Jumbo Certificate
State Bank of India (NY) • 4.47% ($25k) • 12 months to less than 2 years Senior Citizen Certificate of Deposit
2-Year CDs
Pen Air Credit Union • 4.50% ($500) • 21-month Certificate Account
EagleBank • 4.40% ($1k) • Personal 24-month CD
3-Year CDs
Hughes Federal Credit Union • 4.34% ($99k) / 4.29% ($50k) • 30-month Jumbo / Mini Jumbo Certificate
Luana Savings Bank • 4.24% (▲10 bps) ($100k), 4.09% (▲10 bps) ($2k) • 36-month Special Certificate of Deposit
4-Year CDs
Lafayette Federal Credit Union • 4.33% ($100k), 4.28% ($500) • 4-year Jumbo/Certificate
Popular Direct • 4.15% ($10k) • 48-months Popular Direct CD
5-Year CDs
Lafayette Federal Credit Union • 4.33% ($100k) • 5-year Jumbo Certificate
Popular Direct • 4.20% ($10k) • 60-months Popular Direct CD
Over 5-Year CDs
KS StateBank • 4.20% ($500) • 7-year CD
Credit Human • 4.01% ($500) • 60-83 month Share Certificate
Spreadsheet
The attached spreadsheet shows the current top ten nationally available CDs (at least 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 five CDs that were removed from the Summary because of a rate drop (3) or an uncompetitive rate (2).
