Comparing Top CD Rates: TD Bank vs. Citizens Bank vs. Forbes Advisor's Picks

The top rates offered by banks for 6-month and 2-year CD categories rose to 5.10% and 5.13% APY, respectively, while the top bank 4-year and 5-year CD rates dropped to 4.55% and 4.50% APY, respectively. However, credit unions still offer higher rates, with Credit Human credit union offering the top rate of 5.50% APY on any CD term. Jumbo CD rates remain unchanged, with Finworth offering the top rate of 5.25% APY on 12-17 month certificates.