{"id":22688,"date":"2025-12-20T19:26:08","date_gmt":"2025-12-20T19:26:08","guid":{"rendered":"https:\/\/incredipros.com\/?p=22688"},"modified":"2025-12-20T19:26:09","modified_gmt":"2025-12-20T19:26:09","slug":"is-there-still-such-a-thing-as-a-5-cd","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22688","title":{"rendered":"Is There Still Such a Thing as a 5% CD?"},"content":{"rendered":"
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\n Photo courtesy of Karen Bennett; Illustration by Hunter Newton\/Bankrate\n <\/p>\n<\/p><\/div>\n

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Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional CDs that earn a 5% APY or greater, and most are closed-membership credit unions.<\/p>\n

As a reporter who tracks CD rates daily, I take notice anytime I see such higher-than-normal rates \u2014 several of which I\u2019ve listed. The big caveat is both these CDs carry significant restrictions. As such, I\u2019ve also provided a list further below of widely available CDs with the highest rates.<\/p>\n

Where to find CDs that earn 5% APY (or higher)<\/h2>\n

The following financial institutions currently offer CDs that earn a 5% APY or higher \u2014 for at least a portion of their terms \u2014 as of Dec. 15, 2025. It\u2019s important to note that not every account is available to everyone due to restrictions.<\/p>\n

What\u2019s more, rates on new CDs can change at any time, at the discretion of the financial institutions offering them. However, locking in a yield today on a fixed-rate CD means you\u2019ll earn that guaranteed APY for its entire term.<\/p>\n

California Coast Credit Union<\/h3>\n