Similarly, for three-year CDs, you can currently earn 4.84% APY instead of the industry average of 1.16% APY. Today's top-paying institution, however, will pay you 5.25% APY on that same one-year commitment-that's more than four times as much. The current national average is just 1.28% annual percentage yield (APY). Instead, look for the top nationally available rates, which stand far above industry averages. While the national average is a good indicator of the direction of rates-and how much they've changed over a period of time-they are not what you should consider when shopping for CDs. Ranked by highest APY, then shortest term, then lowest minimumįor more options, see our in-depth 3-month CD rankingsįor more options, see our in-depth 6-month CD rankingsįor more options, see our in-depth 1-year CD rankingsįor more options, see our in-depth 18-month CD rankingsįor more options, see our in-depth 2-year CD rankingsįor more options, see our in-depth 3-year CD rankingsįor more options, see our in-depth 4-year CD rankingsįor more options, see our in-depth 5-year CD rankingsĭepartment of Commerce Federal Credit Unionįor more options, see our in-depth 10-year CD rankings
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