10 Best CD Rates Of June 2025: Up To 4.50% APY

Service Credit Union Share Certificate’s six-month CD made our list of best CD rates, offering an impressive 4.15% APY and only requiring a minimum deposit of $500.

Why We Like It

We like that this account has a relatively low minimum deposit requirement, so it’s a good choice for both new and established savers. Plus, it earns one of the highest APYs on our list.

What We Don’t Like

We dislike that dividends are compounded monthly instead of daily. Additionally, to become a member of Service Credit Union, you must qualify for membership, open a Primary Savings account and deposit $5 before you can open a CD account.

Who It’s Best For

This account is an attractive option for active-duty military members, veterans and their families who want risk-free, predictable returns on their savings.

See our full list of the best 6-month CD rates for other top picks.

There are various ways to qualify for membership, including those in active-duty military service and their family members. Anyone, however, can join by becoming a member of the American Consumer Council or Financial Fitness Association.

Early withdrawal penalties depend on your CD term and how much you withdraw. For accounts that automatically renew, you have a 10-day grace period after maturity to withdraw or add funds without penalty. Dividends are compounded and credited to your certificate account monthly.

Service Credit Union Share Certificate Term	APY
3 Months	3.75%
6 Months	4.15%
9 Months	4.15%
1 Year	4.05%
15 Months	3.50%
18 Months	3.25%
2 Years	3.00%
3 Years	2.35%
4 Years	2.45%
5 Years	2.50%

See More See Less

Capital One offers a wide range of CDs, ranging from six months to five years, all with competitive yields and no minimum deposit requirements. We chose the Capital One Certificates of Deposit as the best one-year CD because it offers a highly competitive rate of 4.00% APY.

Why We Like It

We like that the one-year Capital One Certificates of Deposit account offers the highest yield available on Capital One Certificates of Deposit (4.00% APY) and has no minimum balance requirement.

What We Don’t Like

Like most CDs, if you withdraw funds before the CD has matured, you’ll be charged an early withdrawal penalty. For a Capital One Certificates of Deposit with a term of 12 months or less, the penalty is three months’ interest. Partial withdrawals of the principal are not permitted.

Capital One also does not offer other CD variants, such as no-penalty CDs or jumbo CDs.

Who It’s Best For

Because there is no minimum deposit requirement, a Capital One Certificates of Deposit is a worthwhile option for both beginner and experienced savers looking to earn a high APY and maximize their savings, regardless of the amount.

See our full list of the best 1-year CD rates for other top picks.

Interest on Capital One Certificates of Deposits compounds and gets credited to your account monthly. Upon your CD’s maturity, you have a 10-day grace period during which you can withdraw from your CD before it renews for another term. If you withdraw your principal balance before maturity, you’ll pay a penalty fee equal to six months of interest for CD accounts longer than 12 months. For CD accounts of 12 months or less, the penalty fee is three months of interest.

Capital One Certificates of Deposit Term	APY
6 Months	3.80%
9 Months	3.80%
1 Year	4.00%
18 Months	3.70%
2 Years	3.50%
30 Months	3.50%
3 Years	3.50%
4 Years	3.50%
5 Years	3.50%

Rates & details as of 03/12/2025.

See More See Less

Synchrony Bank Certificates of Deposit’s three-year and five-year CDs ranked among the best overall CD rates thanks to their competitive APYs and lack of minimum deposit requirement.

Why We Like It

We like that three-year and five-year CDs from Synchrony Bank offer competitive yields of 4.00% APY and 4.15% APY, respectively, and require no minimum balance to open. We also like that interest on Synchrony Bank Certificates of Deposits is compounded daily.

What We Don’t Like

The early withdrawal penalty for Synchrony Bank Certificates of Deposits with terms of 48 months or more is 365 days’ interest.

Who It’s Best For

Synchrony Bank Certificates of Deposit‘s longer-term CDs are a good choice for savers who want to avoid minimum balance requirements and are comfortable locking their cash away for several years in return for a competitive APY.

See our full list of the best 3-year CD rates for other top picks.

Interest on Synchrony Bank Certificates of Deposits is compounded daily and credited monthly. These CDs automatically renew upon maturity following a 10-day grace period. During the grace period, account holders can add or withdraw funds, change CD terms or close the account.

Synchrony Bank Certificates of Deposit Term	APY
3 Months	0.25%
6 Months	3.70%
9 Months	3.90%
12 Months	4.00%
13 Months	3.90%
14 Months	4.00%
15 Months	4.15%
16 Months	3.90%
18 Months	3.80%
19 Months	4.15%
24 Months	3.50%
36 Months	4.00%
48 Months	3.50%
60 Months	4.15%

Rates & details as of 06/18/2025.

See More See Less

DCU offers CD terms ranging from three to 60 months. We chose Digital Federal Credit Union Regular Certificates account as the best three-month CD because it offers a competitive APY and can be opened with a $500 deposit.

Why We Like It

We like that the three-month CD offers the highest yield from DCU Regular CDs—4.00% APY—and has a relatively low balance requirement.

What We Don’t Like

To join DCU, you must open a Primary Savings account with a minimum deposit requirement of $5. If you aren’t eligible to join based on family relations, company or community, you can become a member by joining one of DCU’s participating organizations. Membership starts at $10.

Who It’s Best For

This account is best for individuals seeking a short-term, risk-free savings option, and those who prefer to bank with a credit union. Since branch access is limited, it’s also a good choice for individuals who are comfortable banking online.

See our full list of the best 3-month CD rates for other top picks.

There are several ways to qualify for a DCU membership. If you’re not eligible for a DCU membership by community or company, you can join by becoming a member of one of its partner charities, like Reach Out for Schools ($10 membership).

Credit union certificates earn dividends rather than interest. At DCU, dividends compound daily and are credited monthly. Early withdrawal penalties are equal to 60 days to 180 days of dividends, depending on the term. You have a five-day grace period after maturity to withdraw funds or adjust your CD’s term before it renews.

Digital Federal Credit Union Quickstart Certificates Term	APY
3 to 5 Months	4.00%
6 to 11 Months	3.75%
12 to 23 Months	3.50%
24 to 35 Months	3.25%
36 to 47 Months	3.25%
48 to 59 Months	3.25%
60 Months	3.25%

See More See Less

We selected Consumers Credit Union Certificate Account as the top choice for best nine-month CDs because it offers a competitive rate of 4.25% APY with a reasonable minimum balance requirement.

Why We Like It

We like that this account offers a yield of 4.25% APY and can be opened with a low minimum deposit requirement of $250.

What We Don’t Like

While Consumers Credit Union Certificate Account offers a wide variety of CD accounts ranging from 91 days to five years, including jumbo CDs, most rates are low.

Who It’s Best For

This is a good option for both new and established savers who want a guaranteed rate of return on their savings but don’t want to commit to a longer-term CD.

Consumers Credit Union Certificate Account is primarily an online credit union, offering only a handful of branch locations throughout Illinois. For this reason, this account is best suited for individuals who are comfortable with online banking.

See our full list of the best 9-month CD rates for other top picks.

Consumers Credit Union Certificate Account offers 11 standard certificate terms, ranging from 91 days to five years. In order to open a Consumers certificate, you must be a member of the credit union. This requires a one-time $5 donation that Consumers will reimburse.

Consumers Credit Union Certificate Account Term	APY
91 Day	0.50%
6 Months	0.65%
9 Months	4.25%
1 Year	0.90%
17 Months	4.00%
18 Months	0.99%
2 Years	1.00%
30 Months	1.19%
3 Years	1.30%
4 Years	1.35%
5 Years	1.50%

Rates & details as of 04/08/2025.

See More See Less

Langley Federal Credit Union Certificate of Deposit topped our list of the best four-year CDs.The account earns a competitive APY and can be opened with just $500. To join Langley, all you need is a Social Security number, proof of name, address and birthday and a reasonable minimum deposit.

Why We Like It

We like that this account earns a competitive yield of 3.75% APY and can be opened with a relatively low minimum deposit requirement. There’s no maximum deposit limit, and funds are insured up to $250,000 by the NCUA.

What We Don’t Like

We don’t like that to become a member, you must open a Langley Savings account and deposit at least $5. Also, while many of Langley Federal Credit Union Certificate of Deposit rates are competitive, they’re still slightly lower than some other accounts on this list.

For CD terms of 12 months or longer, the penalty is 180 days’ dividends if you withdraw funds from your account before it matures.

Who It’s Best For

This account is best for current Langley members or those willing to join and open a Langley Savings account before opening a CD. Opening a four-year CD can be a great way to lock in high rates, as long as you’re comfortable not accessing your cash for several years. Four-year CDs can also be used as part of a CD ladder.

See our full list of the best 4-year CD rates for other top picks.

Dividends on Langley Federal Credit Union Certificate of Deposits are compounded and credited to your account monthly. For accounts that automatically renew, you have a seven-day grace period after maturity to withdraw funds without penalty. Early penalty fees are 90 days’ dividends for terms of less than 12 months and 180 days’ dividends for terms of 12 months or longer.

To be eligible for membership, all you need is proof of name, address and date of birth, as well as a Social Security number. To join, you must open a Langley Savings account and deposit $5.

Langley Federal Credit Union Certificate of Deposit Term	APY
3 Months	1.00%
6 Months	2.00%
10 Months	4.25%
1 Year	3.90%
18 Months	3.90%
2 Years	3.65%
30 Months	3.75%
3 Years	3.65%
4 Years	3.75%
5 Years	3.75%

See More See Less

Credit Human Share Certificates offers an extensive lineup of CDs, and scored at the top of our list of both best seven- and 10-year CDs, which are less commonly available than other terms. Both CDs earn an APY of 4.01%.

Why We Like It

We like that Credit Human Share Certificates offers a solid lineup of CD accounts, all with fairly competitive rates. Both the seven and 10-year CDs earn a high rate of 4.01% APY.

What We Don’t Like

Becoming a member of Credit Human Share Certificates is easy, but we don’t like that you’re required to open a Share Savings account, which requires a minimum balance of $5.

Although not particularly high, Credit Human Share Certificates’s CD accounts have a minimum balance requirement of $500. Other accounts on our list have lower or no minimum balance requirements at all.

Who It’s Best For

These accounts are best suited for individuals seeking a longer-term, risk-free savings option, and who are not concerned about lack of liquidity.

See our full list of the best 7-year CD rates for other top picks.

Dividends on Credit Human Share Certificates are compounded and credited to your account monthly. For accounts with terms of less than one year, you have a seven-day grace period upon your CD’s maturity during which you can withdraw from your CD. For terms of one year or greater, you have a grace period of 10 days.

The early withdrawal penalty is either $50 or the amount listed below, whichever is greater.

• Three-month term: 90 days’ dividends
• Six-month term: 180 days’ dividends
• One-year term: 270 days’ dividends
• Three-year term: 365 days’ dividends
• Five-year term: 730 days’ dividends
• Seven-10-year terms: 1,095 days’ dividends

To become a member, you must meet one of Credit Human Share Certificates’s location- or organization-based criteria. If those don’t apply to you, you can still become a member by enrolling in the American Consumer Council (ACC). Credit Human Share Certificates will handle your application and cover your initial fee to join. To become a member, you are required to open a Share Savings account and deposit $5.

Credit Human Share Certificates Term	APY
3-5 Months	3.41%
6-11 Months	3.95%
12-17 Months	4.01%
18-23 Months	4.00%
24-35 Months	3.95%
36-59 Months	3.85%
60-83 Months	4.01%
84-119 Months	4.01%
120 Months	4.01%

See More See Less

Vanguard Brokered Certificates of Deposit’s one-month CD ranked among the best overall CD rates. It earns an impressive yield of 4.45% APY, the highest on this list.

Why We Like It

We like that this CD earns a super competitive rate of 4.45% APY.

What We Don’t Like

While there’s no early withdrawal fee, you must sell your CD on the secondary market to access your money before the CD term ends, which means there’s a possibility you could sell for less than you paid.

The account also requires a minimum deposit of $1,000, which is higher than many other accounts on this list.

Who It’s Best For

This account is ideal for individuals who prefer brokered CDs.

See our full list of the best 1-month CD rates for other top picks.

Brokered CDs are different from CDs offered directly by banks in that you have to buy them through the secondary market. Instead of opening a CD account with a bank, you can buy a CD through a brokerage like Vanguard.

Vanguard Brokered Certificates of Deposits have some of the highest rates on the market, but they also come with a risk. If you want to access your money before the CD term ends, you’ll have to sell the CD. Depending on market conditions, the CD’s value could have decreased, meaning you may lose money.

Vanguard Brokered Certificates of Deposit Term	APY
1 to 3 Months	4.45%
4 to 6 Months	4.30%
7 to 9 Months	4.35%
10 Months to 1 Year	4.25%
13 to 18 Months	4.20%
2 Years	4.20%
3 Years	4.25%
4 Years	4.30%
5 Years	4.45%
7 Years	4.15%
10+ Years	4.50%

See More See Less