Top U.S. CD Rates: Best Offers by Term as of November 20, 2025

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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.