The top rate for a CDs today is 2.18% at Pentagon Federal Credit Union (or PenFed CU). The best 1-YR CD is 1.05% at GE Capital Retail Bank for $25,000. (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.
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 April 28, 2013
(for a $10,000 Certificate of Deposit)
(for a $10,000 Certificate of Deposit)
| Term | Highest Rate (APY) | Where? (Click link for Full Rate Sheets) |
| Vanguard Daily | 0.01% | Vanguard Prime Money Market Fund |
| Vanguard Tax Exempt | 0.08% | Vanguard Tax Exempt Money Market Fund |
| FDIC Daily Savings | 1.01% | Best Savings Account Rate Survey |
| 6 Month CD | 0.90% | Doral Bank |
| 6 Mo US Treasury | 0.09% | US Treasury Rate Quotes |
| US Treasury Series I Bonds For the next 6 months | 1.76% | Rate is fixed for 6 months after purchase Current iBond Rates & I- Bonds Explained |
| 1 Year CD | 1.00% | Colorado Federal Savings Bank and 1.05% at GE Capital Retail Bank for $25,000 |
| 1 Yr US Treasury | 0.12% | US Treasury Rate Quote |
| 2 Year CD | 1.21% | Melrose Credit Union |
| 3 Year CD | 1.46% | Melrose Credit Union |
| 5 Year CD | 1.96% | Melrose Credit Union |
| 5 Yr US Treasury | 0.68% | US Treasury Rate Quote |
| 7 Year CD | 2.18% | PenFed CU |
| 10 Year CD | 2.00% | Discover Bank |
| 10 Yr US Treasury | 1.70% | US Treasury Rate Quote |
| 30 Yr US Treasury | 2.87% | 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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