The Tool Desk
Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →On September 22, 2025, the highest CD rate reported by GOBankingRates was 5.11% APY for a 12-month certificate from Daniels-Sheridan Federal Credit Union, with a $500 minimum deposit. This is a historical snapshot, not a current rate quote: the listed offers may no longer be available, and eligibility can depend on membership, an existing account, or location. GOBankingRates said its account information was accurate as of September 22, 2025 and warned that rates can change. GOBankingRates
What were the leading reported CD rates on September 22, 2025?
The figures below are GOBankingRates’ dated listings, not verified offers available now. APY and minimum deposits are shown where the source reported them.
| Term or category | Institution and CD type | Reported APY | Minimum deposit |
|---|---|---|---|
| Three months | DR Bank | 4.40% | $500 |
| Six months | Bread Financial | 4.40% | $1,500 |
| One year | Daniels-Sheridan Federal Credit Union | 5.11% | $500 |
| Two years | Ponce Bank Direct | 4.25% | $1,000 |
| Three years | Credit Union of Atlanta | 4.35% | $500 |
| Five years | Copper Basin Federal Credit Union | 4.33% | $1,000 |
GOBankingRates also listed a 4.10% APY, seven-year KS State Bank CD with a $500 minimum; a 4.10% APY, 11-month USALLIANCE Financial no-penalty CD with a $500 minimum; and a 4.50% APY, 17-month Hughes Federal Credit Union jumbo CD with a $99,000 minimum. The no-penalty and jumbo products address different needs, so their APYs alone do not make them directly comparable. See GOBankingRates’ dated rate listing.
How did those listings compare with the reported national averages?
For the six terms in its table, GOBankingRates reported these national averages on September 22, 2025. They are values from that dated table, not current or universal market averages.
Free tools Windows power users keep installed
One-click scans. No signup required.
#1 Best Overall
| CD term | Reported leading APY | GOBankingRates national average |
|---|---|---|
| Three months | 4.40% | 1.32% |
| Six months | 4.40% | 1.82% |
| One year | 5.11% | 1.84% |
| Two years | 4.25% | 1.65% |
| Three years | 4.35% | 1.57% |
| Five years | 4.33% | 1.58% |
How did CD offers compare with Treasury yields?
The U.S. Treasury’s daily rates table recorded a 3.61% one-year constant-maturity bill yield and a 3.61% two-year note yield on September 22, 2025. These are Treasury benchmarks, not bank deposit APYs or guaranteed alternatives to a CD. U.S. Treasury daily rates
CD Valet’s September 2025 market update reported a 3.61% yield for its 12-month T-bill comparison on September 22. In its market-intelligence listings, the top three banks had 12-month CDs at 4.30% or more, while the top three credit unions had such listings at 5.11% or more. These are CD Valet’s reported leaders, not a census of every institution or an assurance that a listed account was available to every saver. CD Valet’s September 2025 market update
Quick Recap
Best Value
- It can be a gift option
- Comes with secure packaging
- Helpful in various ways
Rank #4
Rank #2
- Ideal for Gifting
- Ideal for a bookworm
- Compact for travelling
What should you consider when choosing a CD?
- Match the term to when you may need the money. The reported leaders varied by term; a higher APY on a longer CD may not suit money you expect to use sooner.
- Check the minimum deposit. The dated examples ranged from $500 for the overall 12-month listing to $99,000 for the 17-month jumbo listing.
- Understand access and early-withdrawal rules. GOBankingRates identified penalties for early withdrawal as a selection factor and separately listed a no-penalty CD. Check the specific account terms before opening; the available details here do not establish the penalties for every listed CD.
- Confirm eligibility. A credit union may have membership requirements, and an institution may limit access by location or require an existing account. Verify the terms directly with the provider.
- Compare like with like. Evaluate APY together with term, minimum, liquidity, institution type, and eligibility rather than choosing from the rate alone.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
