Fixed-rate CDs can be particularly valuable in a falling-rate environment. By locking in a high yield now, you’ll continue ... 3.9 stars out of 5 Bankrate’s overall rating of Bank5 Connect ...

Maximizing your returns in a 5% CD landscape Short-term CDs — or those with a maturity date in one year or less — are earning slightly better interest rates than long-term CDs right now.

The best nationwide 5-year CD rate you can get right now is 4.25% APY from America First Credit Union. The top 5-year CDs pay high interest rates. They also might have low minimum opening deposits ...

Start your search now ... CD, according to the Federal Deposit Insurance Corporation (FDIC), but many banks and credit unions ...

By contrast, large banks with branches across the country ... it so short-term CDs (around six months to one year) have higher interest rates than longer terms right now.

As the federal funds rate decreases, you can expect CD rates at many banks to follow suit, and vice-versa. Right now, the federal ... 2008 financial crisis, the country entered the worst economic ...

So, if you can find a rate around those noted for any of those respective long-term CDs, you can consider it a "good" one now. That said, rates on these terms were all closer to the 5% range or ...

Thomas Barwick / Getty Images Truist Bank, which offers up to 4.0% on a 5-month certificate of deposit (CD) as of January 2025 ... the 10 largest banks in the country. Truist offers several ...

Bob Haegele is a freelance personal finance writer. He specializes in topics such as credit cards, investing, and banking. Bob holds a degree from Marquette University in Milwaukee, Wisconsin.

Here’s what to look for if you’re interested in opening a CD now. When inflation moves closer to the Federal Reserve’s target and the central bank begins decreasing interest rates ...

The Federal Reserve’s decisions to raise or lower its benchmark rate can have significant effects on savings products, ...