Best CD Rates in the USA (2025): Compare 6-Month, 12-Month & 18-Month Yields
Top Certificate of Deposit (CD) Rates 2025: 6-Month, 12-Month, and 18-Month Comparison
Meta Description: Discover the top CD rates for 6-month, 12-month, and 18-month terms in 2025. Learn current averages, rate trends, and smart savings strategies for U.S. depositors.
1️⃣ Overview
Certificates of Deposit (CDs) remain one of the most stable and predictable savings options for U.S. consumers in 2025. As the Federal Reserve maintains its cautious stance on interest rate adjustments, CD yields continue to reflect both inflation trends and the demand for secure short-term investments. Many online banks and credit unions now offer competitive APYs across 6-, 12-, and 18-month terms, providing flexibility for savers seeking guaranteed returns without market risk.
2️⃣ 6-Month CD Rates
As of late 2025, leading online institutions offer some of the best short-term yields:
| Bank / Institution | APY | Notes |
|---|---|---|
| Popular Direct | 4.35% | Minimum $10,000 deposit |
| Alliant Credit Union | 4.30% | Online account required |
| Marcus by Goldman Sachs | 4.25% | No-penalty CD option available |
The national average 6-month CD rate reported by the FDIC is around 1.40% APY, meaning online banks are offering nearly three times the national average.
3️⃣ 12-Month CD Rates
One-year CDs remain the most popular fixed-term option in 2025. Typical yields range between 4.60% – 5.00% at top online banks:
- Barclays Online CD — 4.85% APY
- Discover Bank — 4.75% APY
- Capital One — 4.70% APY
According to NerdWallet, 12-month CDs offer the best balance between yield and liquidity for those seeking moderate-term growth.
4️⃣ 18-Month CD Rates
The 18-month CD has become increasingly popular in 2025 for savers who want higher returns without committing to long maturities. Average top-tier APYs range between 4.90% – 5.10% according to Bankrate.
| Institution | APY | Term |
|---|---|---|
| CFG Bank | 5.10% | 18 months |
| Bread Savings | 4.95% | 18 months |
| PenFed Credit Union | 4.90% | 18 months |
5️⃣ Strategies to Maximize CD Earnings
To make the most of your CD portfolio in 2025, consider these strategies:
- CD Laddering: Split deposits among 6-, 12-, and 18-month terms for steady liquidity and reinvestment opportunities.
- Compare Online vs. Traditional Banks: Online banks often offer 2–3× higher APYs.
- Watch Early Withdrawal Penalties: Opt for no-penalty CDs if flexibility is important.
- Ensure FDIC or NCUA Coverage: Keep balances within the $250,000 insurance limit per depositor.
FAQs
Q1. What are the best CD rates in 2025?
A1. The top CD rates range from 4.30% to 5.10% APY depending on the term and institution.
Q2. Are CDs a safe investment in 2025?
A2. Yes. CDs are FDIC- or NCUA-insured up to $250,000 per depositor, offering secure fixed returns.
Q3. Should I wait for higher rates?
A3. With potential Fed rate cuts in 2026, locking in mid-term CDs now may help secure higher yields before they decline.
Conclusion
In 2025, CD rates remain at some of their highest levels in recent years. Whether you prefer the flexibility of a 6-month CD or the stability of an 18-month option, laddering strategies can balance liquidity and income. As the rate environment evolves, fixed-term CDs continue to serve as a low-risk cornerstone in a diversified savings plan.
Comments
Post a Comment