Best CD Rates - Top CD Rates by Term

The top rate for a certificate of deposit (CD) this week is at Pentagon Federal Credit Union (fondly known as PenFed CU) where you can get a 7-year certificate that currently pays 4.00% APY.

For shorter terms, UmbrellaBank.com has a 1-year CD with a 2.06% annual percentage rate.

The one year US Treasury rate is currently 0.39%.

With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities

The table below shows the best CD rates for other terms. If that table is hard to read, then try Very Best CD Rates.

Highest CD Rates Survey
( CD Rate Survey with US Treasury Rates Included)

Term	Date	Highest Rate (APY)	Where? (Click link for Full Rate Sheets)
Daily Savings	10/24/09	0.17%	Vanguard Prime Money Market Fund
Tax Exempt	10/24/09	0.15%	Vanguard Tax Exempt Money Market Fund
High Yield MM	10/24/09	1.81%	Flagstar Bank Direct
6 Months	10/24/09	1.50%	Ally Bank
1 Year	10/24/09	2.06%	UmbrellaBank.com
18 - Months	10/24/09	2.15%	MetLife Bank
2 Years	10/24/09	2.35%	Discover Bank
3 Years	10/24/09	2.35%	Discover Bank
4 Years	10/24/09	3.05%	Intervest National Bank
5 Years	10/24/09	3.50%	iGObanking
7 Years	10/24/09	4.00%	Pentagon Federal CU
10 Years	10/24/09	3.85%	Discover Bank

• Easy to Read Best CD Rate Survey
  
  
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With rates so low, banks will try to sell you their annuity products. Make sure you read our article: Beware of Annuities.