Marcus, PonceBankDirect, OMB Lead CD Rates at 4.50% to 4.65%

On April 18, 2025, the highest certificate of deposit (CD) rate available is 4.50% annual percentage yield (APY), offered by Marcus by Goldman Sachs for its 14-month CD. This rate requires a minimum opening deposit of $500. Other notable CD rates include PonceBankDirect's three-month CD at 4.50% with a $500 minimum deposit, and Government Printing Office Federal Credit Union's six-month CD at 4.62%. Additionally, Brilliant Bank offers a 9-month CD at 4.55% with a $1,000 minimum deposit, while T Bank provides a 12-month CD at 4.50% with a $500 minimum deposit. OMB leads with a 7-month CD at 4.65%, followed by United Fidelity Bank's 10-month CD at 4.60% and T Bank's 6-month CD at 4.60%.

The CD rates reflect the current financial landscape, where digital banks and online accounts are offering competitive yields. The highest APYs are found at FDIC-insured institutions, providing a secure investment option for those looking to maximize their returns. The rates indicate a stable environment for CD investments, with yields remaining consistent over the past few days. The 4-year CD rate, however, saw a slight decrease from 4.40% to 4.28%, with Lafayette Federal Credit Union now leading the market.

These rates present an opportunity for investors to secure guaranteed yields in a low-risk environment. The consistency in APYs across different terms and institutions suggests a stable interest rate environment, making CDs an attractive option for risk-averse investors. The availability of high-yield savings accounts, such as TIMBR's 4.40% and Bask Bank's 4.35%, further emphasizes the competitive nature of the savings market. Investors can choose from a variety of terms and minimum deposit requirements to suit their financial goals and liquidity needs.