Get Excited about the Latest 6% Offer Leading the Way Nationally

Leading nationwide CD rates have fluctuated recently, but the top rate has risen back to 6%, offered by Securityplus Federal Credit Union. This exceptional return comes with an 8-month term, although it’s a limited-time offer available through Nov. 30. However, if you’re looking for a longer term, consider two runners-up: a 13-month CD from Dow Credit Union giving 5.76% APY or the 18-month certificate from Seattle Bank, offering 5.80% APY.
Furthermore, 11 additional offers are included in our daily list of the best CDs that pay at least 5.75%. Moreover, top Jumbo CDs currently pay 5.85% APY. These competitive returns are available on a 1-year certificate from either State Bank of Texas or All In Credit Union.
Investors are interested in these CDs, as 28% of Investopedia readers are choosing them during recent market events. This percentage is slightly down from last month’s data when 29% of investors preferred CDs to stocks and 14% of readers would open a CD if they had $10,000 to invest.
Due to encouraging inflation data released last week, markets anticipate the Federal Reserve to maintain interest rates, and these CD rates are expected to remain stable or even start declining. The “top rates” quoted here are different from the national average and are generally five, 10, or even 15 times higher than average rates offered by large banks. Investopedia conducts rate checks on various banks and credit unions across the states daily to rank the top-paying certificates in every major term.
To qualify for our lists, the institution must be federally insured, and the CD’s minimum initial deposit must not exceed $25,000. We exclude credit unions whose donation requirement is $40 or more, resulting in a list of the best bank and credit union rates available with full transparency on the collection methodology.

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