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The February 14, 2025 article behind this headline reported a top listed rate of 4.65% APY for a six-month CommunityWide Federal Credit Union CD—not a new 5% offer locked in until mid-2026. The figures below are a historical snapshot, not rates verified as available on October 8, 2026. The article says account information was accurate as of February 14, 2025 and that rates could change.
What the February 14, 2025 rate table reported
The table in GOBankingRates’ February 14, 2025 article lists the highest APY it identified for each term, alongside the national average APY for that term. These are the article’s dated figures, not current market averages or offers.
| CD term | Highest listed APY and institution | National average APY |
|---|---|---|
| Three months | 4.60% — Brilliant Bank | 1.30% |
| Six months | 4.65% — CommunityWide Federal Credit Union | 1.82% |
| One year | 4.51% — EagleBank | 1.86% |
| 18 months | 4.39% — All In Credit Union | 2.12% |
| Two years | 4.30% — Amboy Direct | 1.67% |
| Three years | 4.30% — KS StateBank | 1.58% |
| Five years | 4.30% — KS StateBank | 1.59% |
The article’s featured pick was EagleBank’s one-year CD at 4.51% APY, with a $1,000 minimum opening deposit. That historical listing does not establish whether the product or rate is currently available.
Does the article support a 5% rate through mid-2026?
No. The located February 14 article is titled “Top CD Rates Today: February 14 — Earn Up To 4.65% APY,” and its highest listed rate is 4.65% APY. It does not identify a 5% CD or establish an offer lasting until mid-2026. Without dated official terms naming the institution, product, eligibility, opening window, and maturity or rate conditions, the 5% claim should be treated as unverified.
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The article was republished by AOL from GOBankingRates: “Top CD Rates Today: February 14 — Earn Up To 4.65% APY”. Its rate information is explicitly tied to February 14, 2025; it cannot answer what the highest CD rate is today.
How to compare a CD offer before opening it
A high APY is only useful if the term and withdrawal rules suit your plans. Compare the actual account terms, not just a rate headline.
- APY: Confirm the annual percentage yield shown on the institution’s current rate sheet and whether conditions apply.
- Term and maturity: Check when the CD matures and whether that date fits your savings timeline.
- Minimum deposit: Make sure you can meet the opening requirement without setting aside money you may need.
- Early-withdrawal penalty: Find out what you would forfeit if you need the funds before maturity.
- Renewal and grace period: Check whether the CD renews automatically, what term it would renew into, and how long you have to withdraw or make changes after maturity.
- Eligibility and institution: Verify who can open the account and whether you meet any membership or geographic requirements.
- Deposit insurance: Confirm whether the institution is FDIC-insured or, for a credit union, NCUA-insured, and how coverage applies to your account ownership and total deposits.
What deposit insurance does—and does not—mean
The 2025 article describes qualifying deposits at FDIC-insured banks and NCUA-insured credit unions as covered up to $250,000 per depositor. That limit is not a guarantee that every balance or ownership arrangement is fully covered. Confirm the institution’s insurance status and applicable coverage rules with the FDIC or NCUA before relying on a coverage assumption.
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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.
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