The top rate for a CDs this week is 2.67% at Security Service CU. The best 1-YR CD is 1.10% at CIT Bank. (Clicks links for details)
The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.
For online savings, EverBank is paying a Bonus 1.25% rate
With rates so low, banks will try to sell you their annuity products. Make sure you read our article "Beware of Annuities."
Highest CD Rates Survey" (for a $10,000 Certificate of Deposit)
| Term | Highest Rate (APY) | Where? (Click link for Full Rate Sheets) |
| Vanguard Daily | 0.04% | Vanguard Prime Money Market Fund |
| Vanguard Tax Exempt | 0.05% | Vanguard Tax Exempt Money Market Fund |
| FDIC Daily Savings | 1.25% | Best Savings Account Rate Survey |
| 6 Month CD | 0.92% | Doral Bank |
| 6 Mo US Treasury | 0.14% | US Treasury Rate Quote |
| US Treasury Series I Bonds | 2.20% | Current iBond Rates & I- Bonds Explained |
| 1 Year CD | 1.10% | CIT Bank |
| 1 Yr US Treasury | 0.16% | US Treasury Rate Quote |
| 18 - Month CD | 1.09% | Doral Bank |
| 2 Year CD | 1.25% | CIT Bank |
| 3 Year CD | 1.45% | Melrose CU & 1.42% @ CIT Bank |
| 5 Year CD | 1.96% | Melrose CU & & 1.85% @ CIT Bank |
| 5 Yr US Treasury | 0.67% | US Treasury Rate Quote |
| 7 Year CD | 2.67% | Security Service CU |
| 10 Year CD | 2.10% | Discover Bank |
| 10 Yr US Treasury | 1.74% | US Treasury Rate Quote |
| 30 Yr US Treasury | 2.97% | US Treasury Rate Quote |
Vanguard Money Market & US Treasury Rates shown for Reference
With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities
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