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This is a dated snapshot, not a list of current offers: on November 20, 2025, Yahoo Finance reported a highest CD rate of 4.10% APY, while GOBankingRates reported a one-year credit-union certificate at 5.11% APY. The two publishers named different offers and their figures were not reconciled against the institutions’ archived rate sheets, so neither number should be treated as a verified universal best rate.
What CD rates were reported on November 20, 2025?
Yahoo Finance’s roundup reported a top rate of 4.10% APY and named a 14-month CD from Marcus by Goldman Sachs, a 15-month CD from Sallie Mae, and a 9-month CD from Synchrony. Those are the accounts and terms identified by the publisher on that date; the roundup described rates as declining since the prior year and noted that CD rates are correlated with, but not directly set by, the federal funds rate. Yahoo Finance’s November 20 roundup.
GOBankingRates reported a different top offer: a one-year certificate from Daniels-Sheridan Federal Credit Union at 5.11% APY, with a $500 minimum deposit. Its roundup also listed the following certificates and CDs. The figures below are the publisher’s reports, not independently verified archived institution rates. GOBankingRates’ November 20 roundup.
| Institution | Product as reported | Term | APY reported | Minimum opening deposit |
|---|---|---|---|---|
| Daniels-Sheridan Federal Credit Union | Certificate | 1 year | 5.11% | $500 |
| Dow Credit Union | Certificate | 3 months | 4.15% | $500 |
| TotalBank | CD | 6 months | 4.25% | $25,000 |
| United Fidelity Bank | CD | 2 years | 4.25% | $1,000 |
| Credit Union of Atlanta | Certificate | 3 years | 4.35% | $500 |
| Copper Basin Federal Credit Union | Certificate | 5 years | 4.33% | $1,000 |
The available roundup details do not establish each offer’s early-withdrawal penalty, membership rules, geographic availability, or all account terms. GOBankingRates cautioned that eligibility requirements may apply and advised readers to confirm terms with the institution.
#1 Best Overall
- Custom Printed Deposit Tickets – Personalized bank deposit slips designed for business, personal, and financial recordkeeping, with account details printed in a clean, professional format.
- 2-Part Carbonless Duplicate Copies – Duplicate deposit tickets create a copy for your records without separate carbon sheets, making deposits easier to track for bookkeeping and accounting.
- Book-Bound Deposit Slip Format – Deposit tickets are bound together in book form to help keep slips organized, protected, and easy to use for daily banking or office deposits.
- Detailed Entry Space – Each deposit ticket includes 17 lines on the front and 36 additional lines on the back, giving you room to list checks, cash, and deposit details.
- 200 Custom Deposit Tickets – Includes 200 personalized deposit slips for small businesses, offices, accounting departments, financial recordkeeping, and routine bank deposits
Why do the same-day roundups disagree?
Yahoo Finance reported a maximum of 4.10% APY; GOBankingRates reported 5.11% APY. The available information does not establish exactly why the rankings differ. Coverage, rate collection, eligibility, and methodology may vary, but the discrepancy cannot be resolved from these reports alone. Treat each figure as that publisher’s report rather than choosing one as the definitive market-wide leader.
How to interpret these rates—and what they are not
APY is only one part of a CD decision
A higher reported APY does not by itself make an account the better fit. Compare the term, opening minimum, early-withdrawal penalty, eligibility or credit-union membership requirements, geographic availability, and deposit insurance. The published figures do not provide a complete, institution-verified comparison across those factors.
Rank #2
- 1.Coin Counting Record Sheets Bulk Pack：Coin counting record sheets set includes 10 books with 100 sheets each providing 1000 sheets total ideal for high volume cash counting banking and daily cash control tasks
- 2.Currency and Coin Record Forms Compact Size：Currency and coin record forms sized 4.25 Inch x 6 Inch are easy to handle store and file suitable for teller drawers bank counters office desks and retail locations
- 3.Detailed Cash Counting Form Fields：Coin counting record sheets include fields for serial number date number of bills denominations including hundreds fifties twenties tens fives twos ones silver dollars halves quarters dimes nickels pennies total amount and teller signature ensuring accurate cash tracking
- 4.Sequential Numbered Black Print Sheets：Bank deposit slips feature single color black printing with sequential serial numbers helping organize records prevent duplication and improve audit efficiency
- 5.Multi Purpose Cash Handling Forms：Currency and coin record forms work as petty cash slips cash receipt book bank deposit slips cash memo and daily cash balancing sheets for banks offices stores and businesses
Separate CD offers from broader benchmarks
The FDIC’s national rate table published August 18, 2025 reported a six-month national CD deposit rate of 1.51% and a six-month rate cap of 2.26%. These are earlier official benchmarks, not November 20 national averages or offers. FDIC national rates.
The U.S. Treasury’s daily table for November 20, 2025 showed a 3-month Treasury yield of 3.90% and a 10-year Treasury yield of 4.08%. Treasury yields are not bank or credit-union CD APYs, so they should not be compared as if they were the same product. U.S. Treasury daily yield curve rates.
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Rank #3
- FOR LANDLORDING & MORE: Adams Money and Rent Receipt Books let you offer receipts for rent payments, in-home day care, craft fair sales & other cash transactions
- 200 TWO-PART CARBONLESS RECEIPTS: Get 4 perforated customer receipts per page—add your company stamp or label to personalize; the yellow copy stays behind in your book
- SPIRAL-BOUND EFFICIENCY: A neat spiral keeps your duplicates in numerical order for a permanent record of transactions
- CONSECUTIVELY NUMBERED: Large 6-digit numbers in the upper right hand corner help you thumb through orders quickly
- 200 SETS PER BOOK: Stock up so you never run out; receipt book provides 200 sequentially numbered carbonless sets
What to verify before opening a CD now
These rankings describe offers reported for November 20, 2025; they do not establish what is available today. Before opening an account, check the institution’s current official rate sheet and account disclosures for:
Quick Recap
Best Value
- Manifold book with flexible cover
- 400 Duplicates
- Safety tint on original (part 1); Yellow carbonless (part 2)
- Book size - 11" x 7-5/8"; Detached size - "2-3/4" x 7"
- 4 Carbonless numbered receipts per page
Rank #4
- Easy Account Record Keeping: Keep checks, payments, deposits, withdrawals, and everyday account activity organized in one dedicated check register. Designed for personal, business, and office use, it provides a convenient way to maintain clear and consistent transaction records.
- Clear Running Balance: Keep track of account activity with dedicated spaces for dates, descriptions, payment/debit, deposit/credit, and running balance. The organized layout makes it easier to record transactions and review your account information in one place.
- Flat-lay Spiral Binding: The spiral-bound design allows the register to lay flat while writing, providing a comfortable writing surface without constantly holding pages down. Convenient for recording transactions at home, in the office, or while managing accounts on the go.
- Durable Cover for Daily Use: Built with a durable cover to help keep your check register neat during regular use and storage. Its practical design makes it easy to keep in a desk, drawer, bag, or briefcase while maintaining organized payment and deposit records.
- Reconciliation & Summary Sections: Dedicated sections at the back provide space for reviewing account activity, reconciling transactions, and recording financial summaries. Keep important account records together and make routine financial record keeping more organized and convenient.
- Current APY, term, and whether the rate applies to the full balance or only a balance tier.
- Minimum deposit and any balance requirements.
- Early-withdrawal penalty and whether partial withdrawals are permitted.
- Eligibility, membership, and geographic restrictions, especially for credit-union certificates.
- Deposit insurance coverage and the institution that holds the funds.
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.
