Maximize Your Savings with Today's Top CD Rates

Two credit unions lowered their rates on longer-term CDs, reducing the top nationwide rate for a 4-year standard certificate and a 3-year jumbo deposit. The highest rate available is 5.50% APY on a 2-year term. It's uncertain whether CD rates will rise or fall, but it's a good time to consider high-paying options as rates may not go much higher. The top rate on jumbo CDs is also currently 5.25% APY in three terms, but it's smart to shop all CDs rather than focus only on jumbo offers.