Top CD Rates Today, March 27

The most you can earn on a nationally available certificate of deposit (CD) edged down a sliver in one term today, though the top bank CD rate for a different term jumped.

Overall, however, you’ll still fare better on most terms with a national credit union, enjoying a rate between 5.00% and 5.50% APY in every term except 10-year maturities. That 5.50% rate is in fact the top rate you’ll get on any CD today, and it’s from Credit Human credit union.

The top rate for a 3-month CD from a bank or credit union edged slightly lower to 5.00% from 5.01% after Friday’s leader dropped its rate and was replaced by Teachers Federal Credit Union. You can get that rate with a minimum deposit of $1,000.

If you’re looking for a CD specifically from a nationwide bank, the top rate for a 3-month CD is now 4.75%, down from 5.01% APY. But for bank-seekers, there’s good news in our 6-month tier. The best rate there climbed to 5.25% APY, after Brilliant Bank raised its rate for its 9-month CD from 5.10% Friday. (We consider CDs of 5 to 9 months for our 6-month category.)

All the other leading rates opened the week of March 27 unchanged. The top jumbo rate is still 5.25%, which you can get on 6-month, 1-year, 18-month, and 3-year terms.

Rate Collection Methodology Disclosure

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the CD’s minimum initial deposit must not exceed $25,000.

Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don’t meet other eligibility criteria (e.g., you don’t live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.