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Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →The 4.65% APY figure in the December 27, 2024 rate roundup was for a three-month Bask Bank CD—not a certificate shown to lock that rate through January 2026. The roundup listed a higher rate, 4.75% APY, for Bellco Credit Union’s six-month CD. These are historical listings, not current offers.
What the December 27, 2024 roundup listed
GOBankingRates’ December 27, 2024 article, republished by AOL, compared CD rates by term. Its table reported the following national averages and highest listed rates for that date. The figures are historical APYs and should not be read as available in October 2026. Read the December 27, 2024 roundup.
| CD term | National average APY | Highest listed APY on December 27, 2024 | Institution |
|---|---|---|---|
| 3 months | 1.29% | 4.65% | Bask Bank |
| 6 months | 1.69% | 4.75% | Bellco Credit Union |
| 1 year | 1.76% | 4.60% | Fort Liberty Federal Credit Union |
| 18 months | 1.83% | 4.44% | All In Credit Union |
| 2 years | 1.51% | 4.61% | Amboy Direct |
| 3 years | 1.43% | 4.25% | Popular Direct |
| 5 years | 1.43% | 4.25% | Popular Direct |
The article’s featured pick was Popular Direct’s five-year CD at 4.25% APY, with a $10,000 minimum opening deposit, as reported on December 27, 2024. That detail does not establish that the account or rate is available now. See the dated account listing.
Does 4.65% APY lock in a rate through January 2026?
Not according to the retrieved roundup. Its 4.65% entry is explicitly associated with a three-month Bask Bank CD. A three-month term does not substantiate a claim that the same rate could be locked until January 2026. The article does not identify a 4.65% offer with that longer maturity, so the headline’s stated time horizon cannot be verified from this source.
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The roundup’s highest listed rate overall was 4.75% APY for a six-month Bellco Credit Union CD—not 4.65%. Both figures refer to the article’s December 27, 2024 listings, not rates available today. Check the original dated table.
How to compare CDs beyond the APY
APY is only one part of a CD offer. GOBankingRates advises readers to consider term length, interest rate, minimum deposit, and early withdrawal penalty. The term sets when the CD matures; withdrawing before maturity may trigger a penalty. Read the article’s CD-selection guidance.
- Match the term to your timeline. A three-month CD and a five-year CD are not equivalent offers, even if their APYs look similar. Consider when you may need access to the money.
- Check the minimum opening deposit. Confirm that you can meet it and that the quoted rate applies to the amount you plan to deposit.
- Read the early withdrawal penalty. A penalty can reduce the interest you keep if you need the funds before maturity.
- Confirm access and eligibility. Check whether the institution accepts applicants in your location and whether you meet its account requirements. The dated roundup does not establish present-day availability or eligibility.
Why these rates should not be treated as current
The source says its account information was accurate as of December 27, 2024, and warns that rates can change. Its methodology describes comparing deposit rates at banks and credit unions with nationwide availability and selecting leading rates by APY; it also says the listed institutions are insured by the FDIC or the National Credit Union Share Insurance Fund. Those statements describe the source’s dated roundup, not a current rate check or confirmation of a particular institution’s present terms. View the article and its date.
Before opening any CD, verify the institution’s current APY, term, minimum deposit, penalty, insurance coverage, and eligibility directly with the institution. The historical list does not establish any of those current account details.
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