Top U.S. CD Rates: Best Offers by Term as of November 20, 2025
This is for informational purposes only, not investment advice.
Here’s a curated list of top CD (Certificate of Deposit) rates among U.S. banks/credit unions as of November 20, 2025, sorted by term-length:
| Term | Institution | APY | Minimum Deposit |
|---|---|---|---|
| ~3 months | OMB Bank | ~4.11% APY (NerdWallet) | — |
| ~6 months | Climate First Bank (No-penalty CD) | 4.27% APY (NerdWallet) | — |
| ~6 months | nbkc Bank | 4.30% APY (NerdWallet) | ~US$1,000 |
| ~6 months | Bread Savings | 4.20% APY (Bankrate nerdwallet.com) | US$1,500 |
| ~1 year | Alliant Credit Union | 4.10% APY (Bankrate nerdwallet.com) | US$1,000 |
| Multi-year (3-5 yrs) | Various (e.g., Bread, Alliant) | ~3.60%-3.90% APY for 3-4 yrs terms (Bankrate nerdwallet.com) | Varies |
Note: Rates may vary by ZIP code, deposit minimums, and may change frequently – always check the bank’s website before opening.
Notes & Considerations
- These rates reflect the highest offers currently tracked for each term but are not guaranteed to be available in every state or ZIP code.
- Minimum deposit requirements vary significantly (e.g., US$500, US$1,000, US$1,500). For example: M.Y. Safra Bank lists US$500 min deposit. Bankrate nerdwallet.com
- No-penalty CDs allow early withdrawal without the usual penalties. The 4.27% APY example above for Climate First Bank is one. NerdWallet Bankrate
- As noted by analysts, CD rates may trend downward in the near future, so locking in a higher rate today may be beneficial. NerdWallet Bankrate
- Ensure the institution is insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA) up to applicable limits.
