The available rate snapshots around October 15, 2025, do not establish a complete list of CD offers for that exact day. A comparison published October 14 reported five selected bank offers using rates stated accurate as of October 13; a separate market snapshot is dated October 16. Treat both as nearby historical reference points, not verified October 15 quotes.
Selected CD offers reported just before October 15
The Motley Fool Money comparison by James McClenathen was published October 14, 2025, and says its issuing-bank rate data were accurate as of October 13. These selected offers are not a complete national survey and were not confirmed as available on October 15.
| Issuer | Term | Reported APY | 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 | 11 months | 4.20% | $500 |
Source: The Motley Fool Money, October 14, 2025; rates stated accurate as of October 13. Availability, eligibility, terms, and minimums may differ by the time an account is opened, so confirm them with the issuer.
How those offers compare with the market snapshot dated October 16
CD Valet’s October APY Checkpoint is dated October 16, 2025—one day after the title date. It analyzes online-published CD rates and describes a dataset of more than 38,000 retail CD rates from nearly 5,000 banks and credit unions. The figures below are thresholds for the top 10% and top 25% of rates in its dataset, plus the median; they are not issuer quotes or exact October 15 market figures.
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| CD term | Top 10% APY threshold | Top 25% APY threshold | Median APY |
|---|---|---|---|
| 12 months | 4.00% | 3.75% | 3.29% |
| 24 months | 3.75% | 3.45% | 3.00% |
| 36 months | 3.65% | 3.30% | 2.99% |
| 48 months | 3.65% | 3.30% | 3.00% |
| 60 months | 3.70% | 3.40% | 3.00% |
CD Valet’s Head of Marketing & Communications, Mary Grace Roske, said: “Savers settling for anything less than 4.00% Annual Percentage Yield (APY) on new 12-month CDs are leaving money on the table.” That is a marketplace spokesperson’s view; the checkpoint’s 4.00% figure is the top-decile threshold for 12-month CDs in its October 16 dataset, not a guaranteed rate or a universal recommendation.
Source: CD Valet, October 16, 2025.
How to decide whether a CD offer fits
The highest APY is only one part of the decision. A CD commits money for a stated term, so compare the return with the time you can leave the deposit untouched and the cost of needing it early.
- APY: Compare annual percentage yields, not just advertised interest rates, and check whether the quoted APY and account conditions still apply.
- Term: Match the maturity date to when you expect to need the money. The selected offers above range from six to 60 months.
- Minimum deposit: Confirm that the amount required to open the account fits your available savings.
- Early access: Read the account agreement for withdrawal restrictions and any early-withdrawal penalty. Ask the issuer how the penalty is calculated before opening.
- Eligibility: Verify that you can open the account and meet any issuer requirements.
Check the bank or credit union’s current offer and account agreement before funding a CD; dated APYs and minimums can change.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to interpret the FDIC national-rate benchmark
The FDIC’s April 2026 table lists a national deposit rate of 1.53% for one-year CDs. This is a later official benchmark, not an October 2025 rate and not the best advertised APY. The FDIC says its CD averages represent the $10,000 and $100,000 product tiers and explains its weighted national-rate calculation; its rate page is generally updated on the third Monday of each month.
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Use the FDIC figure to understand a national average, not to identify the most competitive offer. The FDIC national rates and rate caps page describes the calculation and update schedule.
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