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Today's Top CD Rates: June 16, 2025 - 15 Opportunities to Secure CD Rates of 4.50% or Higher for CD Shoppers

Interest rates on CDs have recently shown instability, yet there are 15 available options offering fixed rates of 4.50% or higher. This includes the highest nationwide rate guarantee of 4.60%.

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Interest rates for CDs have shown significant fluctuation recently, yet savers can secure 15...
Interest rates for CDs have shown significant fluctuation recently, yet savers can secure 15 finance products offering a minimum rate of 4.50%. Notably, the highest guaranteed rate stands at 4.60%.

Today's Top CD Rates: June 16, 2025 - 15 Opportunities to Secure CD Rates of 4.50% or Higher for CD Shoppers

Hot Off the Press: Top CD Rates for Your Savings

Secure the best returns on your savings with these eye-catching Certificate of Deposit (CD) deals! Here's a rundown of the hottest CD rates, plus some essential facts to help you compare:

  1. Newtek Bank is leading the race with a whopping 4.60% APY for a 9-month term, which guarantees your rate until March 2026.
  2. A series of financial institutions offer 4.50% APY:
    • For as short as 3 months, you can find this rate at PonceBankDirect.
    • Abound Credit Union promises the same for 10 months.
    • PenAir Credit Union locks in your rate with this rate all the way until March 2027 for a 21-month term.
  3. Lafayette Federal Credit Union offers a longer rate guarantee at a slightly lower rate of 4.28% APY for terms between 3-5 years, with the longest term extending to June 2030.
  4. Although the Federal Reserve isn't expecting rate cuts anytime soon, potential reductions could occur later this year.
  5. While interest rate cuts by the Federal Reserve will lower the rates offered by banks, securing a CD rate now ensures you can enjoy that rate until maturity.
  6. Today's top CD rates offer impressive returns compared to earlier in 2022, when the highest rates available ranged from just 0.50% to 1.70% APY.
  7. Jumbo CD rates outperform standard CD rates in four terms:
  8. 18 months: Hughes Federal Credit Union pays 4.50% on a 17-month jumbo certificate, while the standard 18-month CD offers 4.30%.
  9. 3 years: Hughes Federal Credit Union offers 4.34% for a 3-year jumbo CD compared to 4.28% for the highest standard rate.
  10. 4 years: Lafayette Federal Credit Union offers 4.33% for a 4-year jumbo CD, and 4.28% for the highest standard rate.
  11. 5 years: Both GTE Financial and Lafayette Federal Credit Union offer 4.33% for jumbo 5-year CDs, compared to 4.28% for the highest standard rate.
  12. In the 1-year term, top standard and jumbo CD rates are equal at 4.50% APY.

Why settle for less? Jump on the current wave of high-yielding CD offers and secure your financial future! With a variety of terms and rates to choose from, there's never been a better time to grow your savings with a CD.

  1. PonceBankDirect promises a competitive personal-finance rate of 4.50% APY for as short as 3 months, providing an excellent opportunity for short-term savings with ico bank.
  2. Securing a Certificate of Deposit (CD) with Lafayette Federal Credit Union now guarantees you a solid 4.28% APY for terms between 3-5 years, contributing significantly to your personal-finance goals.

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