Latest CD Rates for Today, June 24, 2025 - 4.55% Now Leads, a Drop from Previous 4.60%
Top CD Rates in the U.S. for Various Terms
Get a sneak peek at the hottest CD rates across diverse terms, as uncovered by Investopedia's daily rankings and additional sources up to June 24, 2025:
CD Rates by Term Length
- 3 Months: Popular Direct tops the game with a whopping 4.40% APY on deposits starting from $10,000.
- 6 Months: The best 6-month CD rate hovers around 4.60% APY, as reported on June 18.
- 1 Year (12 Months): T Bank is king with its brand-new, irresistible 4.55% APY offer on a 12-month CD.
- 18 Months: Standard 18-month CDs provide approximately 4.30% APY, while jumbo CDs can reach eye-popping heights, like 4.73% APY courtesy of State Department Federal Credit Union's 15-month jumbo offering.
- 2 Years: The best jumbo CDs pay in the same league as standard ones, both currently averaging around 4.65% APY.
- 3 Years: Just like in the 2-year category, jumbo CDs continue to offer superior 4.65% APY.
- 4 Years: In the jumbo category, you can enjoy an impressive 4.11% APY, albeit slightly higher than the best standard rate of 4.09% APY.
- 5 Years: While specific top rates are unavailable, banks and credit unions continue to offer rates above 5.00% as June 2025 draws to a close. Some have even breached the 5.50% mark.
Table Summarizing Approximate Top CD Rates (APY)
| Term | Top APY (%) | Notes ||--------|----------------|--------------------------|| 3 months | 4.40 | Popular Direct, $10,000 min deposit || 6 months | 4.60 | Based on June 18 data || 1 year | 4.55 | T Bank's new top offering || 18 months | 4.30 (standard), 4.73 (jumbo) | State Dept. FCU jumbo offers better yields || 2 years | 4.65 | Both jumbo and standard yields are similar || 3 years | 4.65 | Jumbo CDs equal 2-year rates || 4 years | 4.11 (jumbo), 4.09 (standard) | State Dept. FCU jumbo gain advantage || 5 years | ~5.00+ | Rates above 5.00% remain available |
These rates reveal a slight dip from earlier peaks but retain historically high values compared to past years, with jumbo CDs often providing the highest returns, as reported by Investopedia and additional sources.[1][2][4][5]
If you're looking to invest in CDs, these rates represent some of the finest options available nationwide, as of late June 2025.
In the realm of personal-finance and investing, jumbo CDs from State Department Federal Credit Union offer competitive rates, such as 4.73% APY for 18-month terms and 4.11% APY for 4-year terms. For those with larger deposit amounts, investing in these ico (investment opportunities) could yield higher returns compared to standard CDs.
