Best CD Rates of March 2025

Elite Personal Finance
Last Update: November 12, 2024

Certificates of deposit (CDs) let you lock in a fixed interest rate that can be higher than that of regular savings accounts. CDs offer guaranteed returns over a set period of time, ranging from a few months to several years. The best CD rates are above 4%.

Best Picks for High Yield Savings Accounts of March 2025

Raisin is a free digital savings marketplace that connects savers to federally insured partner banks and credit unions offering the best digital-only rates and products. They work with over 100+ of the best banks and credit unions. What is great is that you have access to all of them on that platform and you can transfer your money instantly. The transfer is absolutely free. If you register now, you can get $250. ElitePersonalFinance highly recommend this platform.

SuperMoney is another great platform that we at ElitePersonalFinance recommend. They list all products at one place. They offer:

SuperMoney Savings Accounts

SuperMoney Money Market Accounts

Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

Up to 5%

Min. Balance:

$0

Bonus:

$250

Best for:

All Accounts are Listed Here.

Learn More:
Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

Up to 5%

Min. Balance:

$0

Bonus:

Vary

Best for:

All Accounts are Listed Here.

Learn More:
Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

Up to 5%

Min. Balance:

$0

Bonus:

Vary

Best for:

All Accounts are Listed Here.

Learn More:
Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$1,000

Federally insured by NCUA

APY:

1-year APY 4.25%

3-year APY 3.65%

5-year APY 3.65%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$1,500

Member FDIC

APY:

1-year APY 4.30%

3-year APY 3.50%

5-year APY 3.50%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$0

Member FDIC

APY:

1-year APY 4.20%

3-year APY 3.90%

5-year APY 4.00%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.5/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$0

Member FDIC

APY:

1-year APY 4.30%

3-year APY 3.90%

5-year APY 4.00%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.8/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$500

Member FDIC

APY:

1-year APY 4.10%

3-year APY 3.65%

5-year APY 3.60%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.1/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$2,500

Member FDIC

APY:

1-year APY 4.10%

3-year APY 3.60%

5-year APY 3.75%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.4/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$1,000

Member FDIC

APY:

1-year APY 4.30%

3-year APY 4.00%

5-year APY 3.85%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

3.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$1,000

Member FDIC

APY:

1-year APY 4.42%

3-year APY 3.77%

5-year APY 3.67%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

5.0/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$0

Member FDIC

APY:

1-year APY 4.10%

3-year APY 3.50%

5-year APY 3.50%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.7/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$1,000

Member FDIC

APY:

1-year APY 4.30%

3-year APY 3.85%

5-year APY 3.65%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

4.0/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$0

Member FDIC

APY:

1-year APY 4.10%

3-year APY 3.60%

5-year APY 3.50%

Best for:

Best for CD Rates

Learn More:
Bank/Institution:
EPF Rating:

3.8/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

Minimum deposit:

$0

Member FDIC

APY:

1-year APY 4.25%

3-year APY 3.60%

5-year APY 3.50%

Best for:

Best for CD Rates

Learn More: