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On August 25, 2025, the latest FDIC national-rate update available reported average CD rates from 1.34% to 1.76%, depending on the term. The highest average in that update was 1.76% for a 12-month CD. These are national averages—not the best offers from individual banks or guaranteed rates for every depositor.
FDIC national average CD rates available on August 25, 2025
The FDIC’s August 2025 update, revised August 18, reported the following national averages. The FDIC says its CD figures represent $10,000 and $100,000 product tiers and are weighted averages of rates paid by insured banks and credit unions for which data is available. FDIC national rates and rate caps
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| CD term | FDIC national average |
|---|---|
| 3 months | 1.54% |
| 6 months | 1.51% |
| 12 months | 1.76% |
| 24 months | 1.47% |
| 36 months | 1.34% |
| 60 months | 1.34% |
The 12-month average was higher than the averages for the other listed terms. The figures do not show the top rate a particular institution advertised on August 25, nor do they establish which offers were available to a specific customer.
How Treasury yields compared that day
On August 25, 2025, U.S. Treasury yields were 4.28% for one month, 4.23% for six months, 4.10% for one year, 3.91% for two years, and 3.74% for five years. These are Treasury yields, not CD APYs: Treasuries are government debt securities, while CDs are deposit accounts. The figures provide rate-market context, but they are not interchangeable. U.S. Treasury daily rates
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What the averages mean—and do not mean
A national average is a benchmark across reported institutions, not a rate any bank is required to offer. Individual CD terms, rates, eligibility rules, minimum opening balances, and penalties vary. The FDIC’s national rate cap is a regulatory calculation, not a consumer ranking of the best CDs. The August update is also a monthly benchmark revised a week before the date in this article’s title.
There is no verified institution-by-institution survey here establishing the highest CD offers available on August 25, 2025. And these historical figures should not be read as current offers: they describe the FDIC’s August 2025 update, not CD rates in October 2026.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to compare an actual CD offer
Compare the whole account, not just its advertised rate. The Consumer Financial Protection Bureau recommends considering the term, interest rate, and early-withdrawal penalty. Review the account disclosure for other conditions before opening. CFPB: What is a certificate of deposit (CD)?
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- Term and maturity: Check when the CD ends and whether that timing fits when you may need the money.
- Rate or APY: Compare the stated yield on the same basis and for the same term.
- Early-withdrawal penalty: Find out how much interest—or principal, if applicable under the account terms—you could lose for taking money out early.
- Minimum opening balance: Confirm the deposit required to qualify for the advertised rate.
- Special features: Check whether the rate can change or the CD is callable. A variable rate can move during the term; a call option can allow the institution to end the CD early under its terms, affecting the tradeoff behind a higher advertised rate. CFPB: The interest rate offered for CDs is low. Is there anything I can do about that?
- Renewal policy and eligibility: Read what happens at maturity, including any renewal window, and check who can open the account.
- Deposit insurance: Verify that the institution and account qualify and that your deposits remain within applicable coverage limits.
CD insurance and access to your money
A CD commits funds for a specified term, and withdrawing before maturity can trigger a penalty. The CFPB says bank CDs are insured by the FDIC up to $250,000 and credit-union CDs by the NCUA up to $250,000, subject to applicable coverage rules. The relevant limit depends on ownership category and institution, so check how your accounts are covered rather than assuming each account gets a separate limit. CFPB CD guidance
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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.
