Secure High-Yield CD Rates for 9 Months to 5 Years

Newtek Bank offers a 4.60% APY for a 9-month term, with a rate lock until March 2026. Fifteen other CDs offer a 4.50% APY, with terms ranging from 3 months to 21 months. Alternatively, you can secure 4.28% to 4.32% for 3 to 5 years. While the Fed may not cut rates soon, reductions could arrive later this year, making today's top CD rates potentially the best we'll see for some time.

As of June 10, 2025, the top certificate of deposit (CD) rates offer attractive returns for savers seeking to lock in their interest rates. Newtek Bank stands out with a 4.60% APY for a 9-month term, extending the rate lock until March 2026 [1].

Fifteen other CDs are offering a 4.50% APY, with terms ranging from 3 months to 21 months. These include offerings from PonceBankDirect (3 months), Abound Credit Union and Vibrant Credit Union (1 year), and PenAir Credit Union (21 months) [1].

For those looking for longer-term investments, options with 4.28% to 4.32% APY are available for 3 to 5 years. For instance, Genisys Credit Union offers 4.32% APY for a 30-month term, extending the rate lock until December 2027. Lafayette Federal Credit Union provides 4.28% APY for both 4-year and 5-year terms [1].

While the Federal Reserve has paused its rate cuts, the possibility of further reductions later in 2025 makes today's top CD rates potentially the best we'll see for some time [1].

References:
[1] https://www.investopedia.com/top-cds-today-june-9-2025-snag-a-4-60-rate-lock-until-march-2026-11750956