8 Best CD Rates: Up To 4.50% APY

Editor’s Take

Vanguard stands out by giving you access to brokered CDs from many different banks on one platform. This means you can shop for higher returns without opening accounts at lots of places.

You can find short-term and long-term options, making it possible to build a ladder or just target a specific maturity. Vanguard’s website also makes comparing rates and banks simple, so you can focus on your goals.

While rates can change daily, Vanguard consistently lists some of the best APYs for longer terms, especially in the 2 to 10-year range. If you want flexibility, safety, and competitive returns, these brokered CDs are worth a look.

Pros & Cons

Pros:

• Access to many banks’ CDs without multiple accounts
• FDIC insurance up to the standard limits per bank
• Easy comparisons and purchases through Vanguard’s platform

Cons:

• Brokered CDs cannot be redeemed early with the bank; you must sell them on the secondary market, which may involve a loss
• Minimum investments are often $1,000
• Rates may be slightly lower than some direct bank promotions for certain terms

For investors who value convenience and access to a broad set of options, brokered CDs from Vanguard offer useful features. However, the inability to redeem early at par can be risky if you need money fast.

Details

Below are sample APY rates for Vanguard brokered CDs as of July 2025. Rates are subject to change daily.

Short-term CDs let you keep money flexible, while 2-year and 10-year CDs offer some of the highest rates in today’s market. Always check Vanguard for the most up-to-date product listings and terms.

Editor’s Take

You may notice that DCU’s Regular Certificates have starting APYs of just 0.10% and peak at 0.40% for their longest terms. These rates are much lower than the current highest CD rates in the U.S.

The main draw for DCU is stability, a low minimum deposit, and the backing of a large credit union. If you already bank with DCU or want to keep your funds in a credit union, Regular Certificates may be a simple option. However, if your priority is the highest return, there are other banks and credit unions offering rates up to 4.60%.

Pros & Cons

Pros:

• Minimum deposit is only $500, making it accessible
• Flexible term options from 3 months to 5 years
• DCU is federally insured and well-established

Cons:

• APYs are much lower than most national averages, peaking at 0.40%
• Limited earning potential compared to competitors offering 4%+
• Early withdrawal penalties apply if you need funds before maturity

If you value low risk more than high yield, DCU certificates offer basic savings security. For higher returns, you may want to look elsewhere.

Details

You can choose from a range of certificate terms. Each term has a set APY.

These rates are fixed for your chosen term. The minimum to open is $500. Changes can happen, so check with DCU for the most current offerings.

Editor’s Take

You can access multiple term lengths at Service Credit Union, which is helpful if you want flexibility with your savings. The highest rates currently available are 4.15% APY for both 6-month and 9-month share certificates, and 4.05% APY for a 12-month term.

Minimum deposit requirements are reasonable, often starting at $500. These accounts are NCUA insured, which means your money is protected up to $250,000. The credit union’s rates are slightly lower than the very top CD rates nationally, but they remain stable and reliable.

Branch access is available throughout certain regions, and you can open and manage certificates online if you qualify for membership. There are also occasional promotional rates, so watch for updates if you want the best return.

Pros & Cons

Pros:

• Competitive APY on short-term certificates, such as the 6- and 9-month terms
• Minimum deposit of $500 is manageable for most savers
• Multiple term options from 6 months up to 5 years
• NCUA insurance protects your funds
• Ability to open accounts online or at branches

Cons:

• Maximum APY is lower than the very highest national rates, which now reach up to 5.11%
• Membership may require eligibility, typically based on location, employment, or joining an association
• Early withdrawal penalties can reduce your earnings if you need access to funds before maturity
• Rates can change at any time; lock in when rates are higher

Details

The table below shows the available terms and APY rates at Service Credit Union as of July 2025. Not all terms may be offered; check their website for updated information.

APY rates are subject to change and may vary based on how much you deposit. Early withdrawal penalties apply. Membership eligibility is required to open a share certificate account.

Editor’s Take

Consumers Credit Union’s certificate accounts give you flexibility with several term lengths. APYs range from about 0.50% up to 4.50%, although the top end is for very large deposits or promotional terms.

You can select short- or long-term options to fit your savings plan. It’s important to review the minimum deposit and the tiered rate structure, especially if you have less than $100,000 to invest. For most savers, the regular rates are competitive but not market-leading.

Availability may depend on your location and membership eligibility. Consider how frequently the credit union updates specials and ensure you check for any fees or early withdrawal penalties before opening an account.

Pros & Cons

Pros:

• Wide range of term options (from 3 months up to 5 years or more)
• Solid APYs for select specials and higher deposit amounts
• Nationally competitive for larger balances
• Federally insured deposits up to $250,000

Cons:

• Best rates often require at least $100,000 in deposits
• Some competing credit unions offer higher APYs on all balances
• Early withdrawal penalties can reduce earnings if you need money early
• Membership may have requirements depending on your area

Consumers Credit Union certificate accounts are steady and safe but may not always top the charts for yields. Carefully compare the specific terms to your goals and risk tolerance.

Details

Here is a table showing available certificate terms and the typical APY for each. Exact rates may vary by deposit size and when you apply.

Rates may be higher for special promotions or with a deposit of at least $100,000. Before opening, check current rates with the credit union since offers change frequently.

Editor’s Take

Capital One’s CDs stand out for their simplicity and accessibility. You don’t need a large deposit to get started, and all CDs come with FDIC insurance up to the legal limit, keeping your funds safe.

You also get fixed rates for the full term, so there are no surprises. The rates are not the highest, especially on shorter-term CDs, but they are still strong compared to many national banks.

If you want more flexibility, you might notice Capital One doesn’t offer bump-up or add-on options. But if you value straightforward savings with a trusted bank, these are strong choices for both new and experienced savers.

Pros & Cons

Pros

• No minimum deposit required for any CD
• FDIC-insured up to $250,000
• Transparent terms with fixed APY
• Reputable national bank

Cons

• No bump-up, add-on, or flexible-term CDs
• Early withdrawal penalties apply
• Highest APY rates are not as strong as some credit unions
• Fewer promotional CD offers than some online banks

You benefit most if you want easy access and straightforward terms, but those searching for very high rates or bonus features might look elsewhere.

Details

Here are the key rates and terms for Capital One CDs in July 2025:

All rates are fixed for the CD term. No minimum deposit is required, and you can open your account online. Early withdrawal penalties depend on the CD length, reducing your earned interest if you need the money before maturity.

With several term options, you can match your savings goals to the right CD length. You also get predictable returns, which helps with financial planning.

Editor’s Take

Langley Federal Credit Union stands out for its mix of member-focused service and high CD rates. If you want steady growth on your money with little risk, Langley’s CDs are a solid choice. The required minimum deposit is $500, which is lower than many big banks.

The range of terms includes short, medium, and long options, so you can choose the maturity date that works best for your needs. Some promotional CDs offer higher rates, especially for shorter terms. Langley also insures your funds up to $250,000 through the NCUA, adding an extra layer of security.

Pros & Cons

Pros:

• Wide variety of CD terms, from 3 months to 5 years
• Consistently competitive APY, with some promotional terms above national averages
• Minimum deposit only $500, making CDs accessible to more people
• NCUA insurance covers your funds up to $250,000

Cons:

• Must become a Langley FCU member to open an account
• Early withdrawal penalties apply and can reduce your earned interest
• Some top rates are only available on limited promotional terms or higher deposit amounts
• Branch locations are mostly in Virginia, so in-person help may be limited if you live elsewhere

Details

Langley Federal Credit Union offers a range of CD terms. The table below summarizes the available options and their latest APYs as of July 2025.

You can start with as little as $500 for each term. Some rates, especially promotional terms, may change or be limited-time offers, so always check before opening an account. Most terms provide above-average APY, especially compared to large national banks.

Editor’s Take

Synchrony Bank stands out for its flexibility and accessible products. You can open a CD here with no minimum deposit, making it easy for anyone to start saving, even with a small amount of cash.

Rates for many terms are competitive, with 3-month, 1-year, and 5-year CDs generally offering higher APYs than many brick-and-mortar banks. Their online platform is easy to use, and customer support is available if you run into questions.

You should know, however, that while interest rates are strong, they are not always the very highest on the market for all terms. Withdrawals before maturity will result in a penalty, so make sure you won’t need the money before the term ends.

Pros & Cons

Pros:

• No minimum deposit
• Wide range of term lengths (from 3 months up to 5 years)
• Rates are among the better options for online banks
• FDIC insured up to the applicable limits
• Straightforward online account management

Cons:

• Early withdrawal penalties can reduce interest earned if you need your money early
• Some competitors may offer slightly higher APYs, especially for shorter terms
• No branch locations for in-person service

This mix of strengths and limitations makes Synchrony a good choice if you value variety and flexibility but are comfortable managing your account online.

Details

Below is a table listing Synchrony Bank CD terms and their current APY offers for July 2025. Rates can change, so always check before opening a new CD.

Each CD compounds interest daily and credits monthly. Early withdrawal penalties apply based on the term length. There’s no minimum balance, so you can start with any amount you choose.

Editor’s Take

Credit Human Share Certificates provide several choices for savers who want to lock in rates for different periods. You can start a certificate with a minimum deposit that is friendly for most budgets ($500) and enjoy federal insurance on your savings. The APYs are appealing compared to other credit unions, especially on longer terms.

These certificates can be a good fit if you want steady returns without much risk. The automatic renewal feature helps you continue saving, though you should keep track of maturity dates. Overall, the rates are especially strong for those who can keep their funds locked in for several years.

Pros & Cons

Pros:

• Minimum deposit of $500 is manageable for many savers.
• Wide selection of term lengths from 3 months to 10 years.
• All funds are federally insured up to $250,000.
• Rates are competitive, especially on long-term CDs.

Cons:

• Early withdrawal penalties may apply if you withdraw before maturity.
• Rates may not always match national banks’ highest offerings.
• Interest is compounded monthly, which is less frequent than some other institutions.
• Not as many branch locations as larger national banks.

Details

Below you will find a table with the current terms and annual percentage yields (APY) for Credit Human Share Certificates as of July 2025. All certificates require a $500 minimum deposit and pay dividends monthly.

These rates may change, so you should check with Credit Human for the latest offers before opening an account. Terms are flexible, and you can choose the length that best matches your needs.