The top CD annal percentage yield (APY) this week is at Pentagon Federal Credit Union for a 7-year certificate of deposit currently paying 3.51%. Six months ago, this same certificate paid 4.50%!
The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.
"Highest CD Rate Survey + Current US Treasury Rates"
Vanguard Money Market Rates shown for Reference
Disclosure: I have money in several CDs and Savings accounts in several banks so I am fully insured with FDIC
The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.
"Highest CD Rate Survey + Current US Treasury Rates"
| Term | Highest Rate (APY) | Where? (Click link for Full Rate Sheets) |
| Vanguard Daily | 0.09% | Vanguard Prime Money Market Fund |
| Vanguard Tax Exempt | 0.11% | Vanguard Tax Exempt Money Market Fund |
| FDIC Daily Savings | 1.40% | Best Savings Account Rate Survey |
| 6 Month CD | 1.23% | Aurora Bank |
| 1 Year CD | 1.55% | Sallie Mae Bank & 1.50%@ Discover Bank |
| 1 Yr US Treasury | 0.29% | US Treasury Rate Quote |
| 18 - Month CD | 1.71% | Aurora Bank |
| 2 Year CD | 2.00% | Stonebridge Bank & Bank of Internet USA |
| 3 Year CD | 2.50% | newDominionDIRECT |
| 4 Year CD | 2.92% | Bank of Internet USA |
| 5 Year CD | 3.06% | Astoria Federal Savings Bank |
| 5 Yr US Treasury | 1.83% | US Treasury Rate Quote |
| 7 Year CD | 3.51% | Pentagon Federal CU aka PenFed |
| 10 Year CD | 3.50% | Discover Bank |
| 10 Yr US Treasury | 3.04% | US Treasury Rate Quote |
With rates so low, banks will try to sell you their annuity products. Make sure you read my article: Beware of Annuities
Historical CD Rates:
Click charts to see full size images
Related information:
Historical CD Rates:
Click charts to see full size images
| 1-Month CD Daily Chart |
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| 6-Month CD Daily Chart |
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Related information:
Disclosure: I have money in several CDs and Savings accounts in several banks so I am fully insured with FDIC