CDs that fall into specific categories are excluded, including promotional offers, relationship-based rates, private, youth, senior, student/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs. To establish average certificate of deposit (CD) rates, Curinos focused on CDs intended for personal use. The highest rate was 5.35%, which would net almost $4,233 in interest if you invested $25,000. The national average APY for a three-year CD stands at 1.53%, which is flat to where it stood last week and up from 1.51% a month ago. If you invest $25,000 in a 24-month CD at the high rate of 5.60%, you’d earn around $2,880 in interest. By locking in a rate close to this high, you’ll make the most of your returns on this longer-term investment. The current national high for a 24-month CD is 5.60%. The national average APY is 1.60%, a one basis point fall from last week and up one basis points from one month ago. Interest rates on CDs with longer terms have taken a tumble. The current national high for a 12-month CD is 5.65%, which would earn roughly $1,410 in interest with a $25,000 deposit. The national average APY is 1.76%, up one basis point from last week and five basis points from a month before.

One-year CDs can give you returns as high as, or even higher than, longer-term options. If you’re up for setting aside your savings for a full year, you’ll be able to snag even more impressive rates. With that rate, you’d earn almost $740 in interest if you deposited $25,000. Shopping around can help you find better deals. The current top national rate for a 6-month CD is 5.94%, according to the data available from Curinos. The national average APY for six-month CDs is 1.52%, up marginally from 1.51% last week and 1.45% one month ago. Six-month CD ratesīy choosing a top-rated six-month CD, you benefit from a winning mix of competitive interest rates and a short-term commitment. The current national high for a three-month CD is 5.83%, which would earn more than $355 in interest with a $25,000 deposit. Over the past month, rates on three-month CDs have climbed marginally. Rates on three-month CDs have seen no change since this time last week, remaining at 1.06% today.

Current cd rates at peoples united bank