Do these 3 things before closing this tab:
1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsOn February 13, 2025, the highest listed CD offer in a GOBankingRates comparison, republished by AOL, was CommunityWide Federal Credit Union’s 6-month CD at 4.65% APY. That is the most direct answer to what the top CD rate was on that date. The headline’s 4.35% to 4.73% range does not match that comparison, whose highest offers by term ran from 4.30% to 4.65%, so the headline range should not be read as confirmed. Because that date is more than a year and a half ago, none of these figures describe an offer you can open today.
What the February 13, 2025 comparison listed
The GOBankingRates comparison, dated February 13, 2025, focused on APY and considered banks and credit unions with nationwide availability. For each term it showed a national average APY and the highest APY it listed, along with the provider. Its FAQ put the top result this way: “As of Feb. 13, 2025, CommunityWide Federal Credit Union offers the highest paying CD rate at an APY of 4.65% for their 6-month CD.”
| Term | National average APY | Highest APY shown | Provider |
|---|---|---|---|
| 3 months | 1.30% | 4.60% | Brilliant Bank |
| 6 months | 1.82% | 4.65% | CommunityWide Federal Credit Union |
| 1 year | 1.86% | 4.51% | EagleBank |
| 18 months | 2.12% | 4.39% | All In Credit Union |
| 2 years | 1.67% | 4.30% | Amboy Direct |
| 3 years | 1.58% | 4.30% | KS StateBank |
| 5 years | 1.59% | 4.30% | KS StateBank |
The gap between the two columns is the main thing to notice. The highest listed offers sat between 4.30% and 4.65%, while the national averages in the same table were between 1.30% and 2.12%. The highest figure is one institution’s advertised offer for one term on one day. The average is a broad measure and tells you what a typical account paid, not what was available to a shopper. The comparison itself notes that rates are subject to change.
Why the headline range does not match
The headline promises returns of 4.35% to 4.73% for terms from 3 months to 5 years. The comparison’s highest offers for those same terms run from 4.30% to 4.65%. Neither the 4.35% floor nor the 4.73% ceiling appears in its table. The mismatch could come from a different table, a different set of products, or an error in the headline. The available evidence does not show which, so the headline range should not be used as a verified figure for February 13, 2025.
Recommended Free Tools
#1 Best Overall
National averages are a different measure
The Federal Deposit Insurance Corporation publishes a national rates benchmark for CDs. Its February 2025 page was updated on February 24, 2025, and reports rates as of February 18, 2025. For that date it shows a national average of 1.45% for a 3-month CD and 1.31% for a 60-month CD. The FDIC states that these national averages represent $10,000 and $100,000 product tiers.
Those figures cannot be used to check the February 13 offers. They were measured five days later, they are averages rather than advertised offers, and they come from a different method than the comparison’s own averages. The gap between the FDIC’s 1.45% for 3 months and the comparison’s 1.30% for 3 months does not show a rate change, because the two sources use different universes of products and different measures.
What “guaranteed” means for a CD
A CD pays a fixed APY for its stated term, which the comparison describes as fixed rates with a maturity date. The rate is set when you open the account. It is not guaranteed after maturity, and the rate you are offered when the CD renews may be different from the original. Withdrawing before maturity can trigger an early-withdrawal penalty, which can reduce or erase the interest you earned.
Deposit insurance is a separate question. Banks are insured by the FDIC and credit unions by the NCUA, and coverage is subject to limits that apply per depositor, per institution, and per ownership category. Confirm the current limit and the insurer in the institution’s own disclosures.
Rank #3
- PERFECTLY BALANCED: Adams Check Payment and Deposit Registers help you stay on top of cash flow with a large roomy ledger
- FOR FAST-MOVING ACCOUNTS: Record over 1,100 transactions to verify your balance; helps catch bank errors, detect identity theft, and prevent bank overdrafts on busy accounts
- SPIRAL-BOUND EFFICIENCY: Neat twin-wire binding allows your book to open flat; write from margin to margin on each page
- HELPS REDUCE EYE STRAIN: Wide roomy pages in soft yellows and blues help prevent eyes from getting tired
- MORE ROOM FOR NOTES: There's no need to leave transaction details to memory; write full detailed notations
How to compare CD offers before you open one
- Check the date on any rate table. A figure dated February 13, 2025 is a historical snapshot.
- Compare offers with the same term. A 6-month CD and a 5-year CD are not interchangeable, even if their APYs look close.
- Use APY, the measure the comparison used, so that compounding is already included.
- Check the minimum deposit and eligibility rules. Credit unions, for example, may require membership.
- Confirm the insurer. Look for FDIC insurance on a bank or NCUA insurance on a credit union.
- Read the early-withdrawal penalty in the account disclosure, and calculate what it would cost at your deposit size.
- Read the maturity and renewal rules. Find out whether the CD renews automatically and at what rate.
- Take the APY from the provider’s current rate disclosure on the day you open the account, not from an aggregator table.
Historical comparisons are useful for seeing the range of offers at a point in time and how the top rate sits relative to the average. They are not a substitute for a current disclosure, and the February 2025 figures are no longer a basis for choosing an account.
Source: GOBankingRates, “Top CD Rates Today: February 13 — Earn Up To 4.65% APY,” republished by AOL, dated February 13, 2025. FDIC, “National Rates and Rate Caps – February 2025,” updated February 24, 2025, with rates as of February 18, 2025.
Quick Recap
Best Value
- EASY TO MANAGE - Use this accounting ledger book to track your payments, deposits, and balances, and develop good bookkeeping habits to meet your financial goals.
- UNDATED ACCOUNT TRACK - Use a ledger book to record every expense you make no matter what day it starts. The accounting book is plenty of space to record each transaction you make, and state its number, date, description, account, payment or deposit amount, and total balance.
- HIGH QUALITY - The A5 expense tracker notebook is used to high quality 100gsm pure white paper, teal elastic band and a back pocket for extra space. A total of 64 sheets(128 pages), it comes with 3480 entry lines (29 lines per page, 60sheets/120pages), 1 page Year Overview, 7 lined notes pages. The accounting book is plenty of space to record each transaction you make, and state its number, date, description, account, payment or deposit amount, and total balance.
- MANAGE YOUR FINANCES & SUCCEED - Use this business expense tracker notebook, You will be able to easily analyze your financial activities and quickly prepare accurate financial statements. Use your records to regularly assess your spending and income and find any unnecessary expenses you can cut to improve your financial performance.
- THE PERFECT GIFT - Use account ledger book for your personal or business finances, give it to your friends, colleagues as a gift for Birthday| Easter|Children's Day|Halloween|Thanksgiving|Christmas|Back to school and New Year's Day.
Rank #4
- Classic Professional, Carbonless White/pink, Enhancing Efficiency: you will receive 1 pcs 2-Part Booked Deposit Tickets; Adopting the classic bank deposit slip layout, it provides two carbonless copies (white + pink); A single entry automatically generates both the customer's stub and the bank's copy, saving time and avoiding repeated copying errors; Suitable for daily large deposits in retail, catering, and small and medium-sized enterprises
- Large Data Entry Space, Supports Multiple Transaction Details: the front panel offers 17 lines for check/cheque entry and cash/coin details; A prominent total amount frame and optimized layout provide more space, easily recording dozens of transactions; The large total amount frame design facilitates quick verification and scanning, ensuring accurate deposits every time
- Compatible with Modern Banking Icr/ocr Automatic Recognition Technology: strictly designed according to current banking image character recognition (ICR) standards, this ICR Scannable Design for Accurate Bank Processing ensures precise font, spacing, and MICR area positioning, resulting in faster scanning and processing speeds; This reduces the risk of returned or delayed payments, allowing your deposits to arrive faster
- Say Goodbye to Messy Handwritten Entries, Tear off Two Copies and Instantly Complete Your Deposits: classic double-copy Carbonless White/Yellow checkbook; Fill in once and automatically copy clearly; No more frantically copying numbers from a checkbook or worrying about omissions or errors; For busy individuals, professional deposits can be completed in just seconds, saving time and effort; Even during peak business hours, you can quickly and accurately summarize your deposits
- Durable Paper, Standard Us Size, Safe and Reliable: 2-Part Booked Deposit Tickets are made with carbonless paper, ensuring smooth writing and preventing fading; Standard size 8 7/8" x 3 3/8" (approx. 22.5cm x 8.6cm), perfectly compatible with major US banking systems; For use only with banks within the US, ensuring compliance and security; 150 tickets per set, excellent value for money
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.
