The highest listed offer in The Motley Fool’s comparison was United Fidelity Bank’s 6-month CD at 4.35% APY, with a $1,000 minimum deposit. The figures were reported as accurate as of October 19, 2025, so they are a historical snapshot—not rates confirmed to be available now. Check with each bank for current rates, eligibility, and account terms before depositing.
CD rates reported for October 20, 2025
The Motley Fool’s dated comparison listed the following offers. It is a selection of featured CDs, not a complete survey of every bank or credit union.
| Institution | Term | APY reported | Minimum deposit |
|---|---|---|---|
| United Fidelity Bank | 6 months | 4.35% | $1,000 |
| Climate First Bank | 6 months | 4.34% | $500 |
| United Fidelity Bank | 60 months | 4.30% | $1,000 |
| United Fidelity Bank | 48 months | 4.25% | $1,000 |
| Happen Bank | 8 months | 4.15% | $500 |
The Motley Fool described all featured CDs as FDIC-insured. Confirm the bank’s current disclosures and applicable deposit-insurance coverage for your accounts before opening one.
Which offer fits your deposit and timeline?
The highest APY is not automatically the best choice. Match the CD term to when you may need the money, then check whether you meet the minimum deposit. Among the two listed six-month CDs, Climate First Bank had a slightly lower reported APY but a lower minimum than United Fidelity Bank. The longer United Fidelity Bank terms may suit a saver able to leave money deposited for four or five years; the comparison does not establish that a longer term is preferable for everyone.
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Before committing, read the issuing bank’s current account disclosures for access restrictions and early-withdrawal penalties. The dated comparison did not provide those penalty details, and the terms may vary by product.
How these figures differ from broader rate data
The FDIC archive identifies October 20, 2025 as a National Rates and Rate Caps update date. Its national statistics are a separate measure from individual bank offers; the surfaced archive information does not provide the term-level figures for that date. The FDIC says its page is generally updated on the third Monday of each month and explains its rate and cap methodology in its rate and cap methodology bulletin.
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For additional context, the U.S. Treasury’s daily table reported a 4.52% long-term composite and a 4.56% 20-year constant maturity yield on October 20, 2025. Those are Treasury yields, not CD APYs, and they are not directly comparable to the bank offers above.
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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.
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