Top CD prices today, March 15th

Today’s national maximum rates for certificates of deposit (CDs) are largely unchanged, with the exception of one jumbo CD rate (for a term of 6 months). For standard CDs, the maximum rate for terms from 3 months to 10 years is still 5.50% APY, which can be earned from Credit Human, a nationwide credit union, for certificate terms from 24 to 35 months with a minimum deposit of $500.

Currently the highest paying CD from a nationwide bank is 5.25% APY and is offered by Forbright Bank with terms ranging from 12 to 17 months with a minimum deposit of $1,000.

The best you can do today for a nationwide Jumbo CD is 5.25% APY from the Air Force Federal Credit Union with an 18 month term and a minimum deposit of $100,000. But the best 6-month CD rate jumped from 4.25% yesterday to 4.49% today. You can obtain this via My eBank. (As is often the case, savers with this level are better off buying the courses of all CDs, not just jumbo certificates, since the best courses are usually found under standard certificates.)

Although the Federal Reserve meets next week (March 21-22) and was expected to raise the federal funds rate by another 0.25 to 0.50 percentage point to continue its flight against inflation, the high-profile banks are set to fail certainly give way from Friday as the Fed pauses. Market observers are now united when they predict that the Fed will either raise rates by a quarter point next Wednesday or not at all.

CD run timeYesterday’s national maximum rateToday’s national maximum rateDaily change (percentage points)
3 months4.85% APR4.85% APRNo change
6 months5.00% annual interest5.00% annual interestNo change
1 year5.25% APR5.25% APRNo change
18 months5.25% APR5.25% APRNo change
2 years5.50% APR5.50% APRNo change
3 years5.50% APR5.50% APRNo change
4 years5.00% annual interest5.00% annual interestNo change
5 years5.00% annual interest5.00% annual interestNo change
ten years4.30% APR4.30% APRNo change
To see the top 15-20 rates nationwide for any time period, click on the term you want in the table above.
CD run timeToday’s top exchange rate of the National BankToday’s top interest rate from the national credit unionToday’s highest national jumbo rate
3 months4.75% APR4.85% APR3.80% APR
6 months5.00% annual interest5.00% annual interest4.49% APR
1 year5.25% APR5.00% annual interest5.00% annual interest
18 months5.00% annual interest5.25% APR5.25% APR
2 years4.75% APR5.50% APR4.70% APR
3 years4.60% APR5.50% APR4.80% APR
4 years4.65% APR5.00% annual interest4.85% APR
5 years4.70% APR5.00% annual interest5.05% APR
ten years4.10% APR4.30% APRnone
Click on the column headings above to see our lists of the best paying bank, credit union and jumbo certificate CDs.

Note that the “top” rates quoted here are the highest rates available nationwide, as identified by Investopedia in its daily interest rate research of hundreds of banks and credit unions. This differs greatly from the national average, which includes all banks that offer a CD with this term, including many large banks that pay a paltry amount of interest. Therefore, national averages are always quite low, while the top rates you can find while shopping are often 5, 10 or even 15 times higher.

Disclosure of Tariff Collection Methodology

Every business day, Investopedia tracks price data from more than 200 banks and credit unions that offer CDs to customers nationwide, and provides daily rankings of the best paying certificates in each major term. To qualify for our listings, the institution must be federally insured (FDIC for banks, NCUA for credit unions) and the CD’s minimum initial deposit must not exceed $25,000.

Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association in order to become a member if you don’t meet other eligibility criteria (such as not living in a specific area or doing a specific type of job), We exclude credit unions whose donation requirement is $40 or more. For more information on how we select the best fares, see our full methodology.

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