If you’re CD shopping, five “cream of the crop” options allow you to lock in a record return you can enjoy until at least next summer. The leading nationwide rate remains 6.00% APY, available for a 1-year term from American 1 Credit Union. But there are also four offers with a second-place rate of 5.75% APY, ranging in duration from nine to 12 months.
Key Takeaways
- The top rate in our daily ranking of the best nationwide CDs continues to be 6.00% APY on a 1-year certificate—the first nationally available CD to reach that threshold since the Fed began raising interest rates last year.
- Four CDs currently offer the next-highest rate of 5.75% APY.
- Today’s count of nationally available CDs paying 5.50% APY or higher climbed by one to 46. Two weeks ago the number was 30.
- The best longer-term option offering at least 5.00% is a 3-year CD at 5.23% APY.
- It’s overwhelmingly…
