CDs that fall into specific categories are excluded, including promotional offers, relationship-based rates, private, youth, senior, student/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs. To establish average certificate of deposit (CD) rates, Curinos focused on CDs intended for personal use.

The highest rate was 5.63%, which would net almost $4,465 in interest if you invested $25,000. The national average APY for a three-year CD stands at 1.48%, which is up one basis point from last week and up four basis points from a month ago.

Right now, the highest national rate for a 24-month CD is 5.15%, which would earn nearly $2,650 on $25,000 in savings. The nationwide average APY stands at 1.53%, a tick higher than a week prior and up four basis points from one month ago. Interest rates on CDs with longer terms, such as those spanning two years, are also climbing.

The current national high for a 12-month CD is 5.37%, which would earn roughly $1,340 in interest with a $25,000 deposit. The national average APY is 1.63%, up three basis points from last week and nine basis points from a month before. One-year CDs can give you returns as high as, or even higher than, longer-term options. If you’re up for setting aside your savings for a full year, you’ll be able to find even more impressive rates. You’d earn almost $670 in interest if you put $25,000 in a six-month CD with a rate of 5.41%. But you may be able to find better deals by shopping around. The current top national rate for a 6-month CD is 5.41%, according to the data available from Curinos. The national average APY for six-month CDs is 1.37%, from 1.34% last week and 10 basis points from one month ago. The top six-month CDs can offer the best of both worlds: strong interest rates and a short-term commitment. The current national high for a three-month CD is 5.83%, which would earn more than $355 in interest with a $25,000 deposit. Over the past month, rates on three-month CDs have climbed by six basis points. Rates on three-month CDs have increased since last week, rising by one basis point to 0.92% today.

Best 5 year cd interest rates