Maximize Your Savings with High CD Rates: A Guide to April's Top Offers

The top nationwide CD rates have decreased, with the exception of Northern Bank Direct's 9-month certificate, which now offers a 5.50% APY. The leading rates for 2-year and 3-year CDs have dropped, with the top 2-year rate now at 5.15% APY and the best-paying 3-year CD at 4.90% APY. The Federal Reserve is expected to raise interest rates next week, but many banks and credit unions have already priced that expectation into their rates. It may be a good time to lock in an inflation-busting CD rate, as more than 40 certificates beat the 5% March inflation rate.