The average annual percentage yield for a 12-month CD dropped two basis points this month to 1.78%, according to the FDIC.

And after its latest 0.5% rate ... Up to 5.75% APY Bring as little as $1,000 of funds not already deposited in an account with Tee-Pak Credit Union and the 6-month CD here can deliver a high ...

Rates accurate as of April 8, 2025 In January 2022, the typical APY, or annual percentage yield, for a one-year CD sat at a mere 0.13%—a pandemic ... roughly 20.5 million people lost their ...

Ocean Bank, Up to 5.10% APY Only $2,500 is required to open a 3-month CD earning up to 5.10% APY ... earning CDs that are accessible to most people, not just those with large minimum balances ...

Reaching a peak of 5.55% in April ... they also require little or even no money for the opening deposit or an ongoing balance, making their great rates accessible to most people.

To put this in perspective, in late 2021, the top nationally available CD rates for terms of 6 months to 5 years were between 0.80% and 1.30% APY. After 11 Fed rate hikes that took place from 2022 ...