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On Nov. 11, 2024, a GOBankingRates roundup reported the highest listed CD APY as 5.25% for a six-month certificate from Newtek Bank. Its reported leaders varied by term, from 5.00% for three months to 4.00% for five years. These are historical figures published that day—not current offers—and were not independently verified against archived issuer rate sheets. Check each institution’s current disclosures before opening an account.
Top CD rates reported on Nov. 11, 2024
The following figures were reported by the GOBankingRates roundup syndicated by AOL, published Nov. 11, 2024, at 2:31 p.m. UTC. The roundup listed one leading provider for each term; it does not establish that the offers had equivalent eligibility, deposit minimums, penalties, or renewal terms.
| CD term | Highest APY listed | Provider named | National average APY reported |
|---|---|---|---|
| 3 months | 5.00% | Dow Credit Union | 1.30% |
| 6 months | 5.25% | Newtek Bank | 1.72% |
| 1 year | 4.75% | Fort Liberty Federal Credit Union | 1.75% |
| 18 months | 4.71% | Eagle Bank | 1.84% |
| 2 years | 4.61% | Amboy Direct | 1.51% |
| 3 years | 4.16% | Library of Congress Federal Credit Union | 1.41% |
| 5 years | 4.00% | Amerant Bank | 1.42% |
The averages and provider leaders are different measures: the average describes a broader set of rates, while each top figure is the roundup’s highest listed offer for that term. The FDIC publishes its own monthly national-rate data, which should not be substituted for either a roundup’s provider leader or its average; see the FDIC national rates page.
How to interpret these APYs
APY annualizes the relationship between the interest earned over an account’s term and the principal used in the calculation; the Federal Reserve’s guidance accounts for the number of days in the term. It is not automatically the same as a nominal interest rate. The quoted percentages describe the 2024 roundup’s reported offers, not what a depositor would necessarily earn under a different term, deposit, or account contract. See the Federal Reserve’s Regulation DD guidance.
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#1 Best Overall
Budget Planner - Monthly Finance Organizer with Expense Tracker Notebook to Manage Your Money Effectively, Undated Finance Planner/Account Book, Start Anytimem,A5(8.6x5.9 inchs),100gsm Paper - Silvery
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Rate conditions provide context, but do not explain an individual institution’s pricing. The Federal Reserve lowered its federal-funds target range by 25 basis points to 4.5%–4.75%, effective Nov. 8, 2024. That policy move is not a formula for any particular CD APY.
What to check before choosing a CD
Compare the contract terms as well as the headline APY. The roundup names rates and institutions but does not show that their accounts were otherwise comparable.
Quick Recap
Bestseller No. 3
Best Value
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
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Rank #4
SUNEE Budget Planner - Monthly Budget Book with Expense Tracker Notebook, Undated 12 Month Bill Organizer & Finance Planner to Manage Your Money, A5(6.4" x 8.3") Account Book with Colorful Tab, Black
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Rank #3
Clever Fox Budget Planner, Monthly Bill Tracker Book 5.8"x8.3" Brown
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Rank #2
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
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- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
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- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
- Term and maturity: Choose a maturity date that fits when you may need the money. A higher APY may not suit funds you need sooner.
- Minimum deposit and eligibility: Check the opening balance and any membership or other eligibility rules, particularly for credit-union accounts.
- Early-withdrawal penalty: Read how the institution calculates the penalty and what happens if you need to withdraw before maturity.
- Deposit insurance: Confirm that the account and institution qualify for applicable FDIC or NCUA coverage, and understand the coverage limits and ownership rules.
- Maturity and renewal: Find out whether the CD renews automatically, what happens to the funds during any grace period, and how the renewal rate is set.
- Current offer details: Verify the APY, term, and all conditions in the provider’s current account disclosure before depositing.
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