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Latest CD Rates Lowered to 4.50% on April 29, 2025 - Secure Lower Interest for Three to Eighteen Months Period

Shoppers visiting CD stores can secure their funding, regardless of potential tariff changes and economic fluctuations. Choose from fixed rates of 4.50% for a period of 3 to 18 months, or opt for lower rates of 4.28% over longer terms.

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Latest CD Rates Lowered to 4.50% on April 29, 2025 - Secure Lower Interest for Three to Eighteen Months Period

Top CD Rates Still Shining in Today's Market

Savvy savers can rejoice as the best CD rates in the nation remain a sight for sore eyes, despite dropping from late 2023 highs (above 6%). With multiple options exceeding 4.50%, it's an excellent opportunity to secure a competitive return. Here's a run-down on today's hottest CD offers:

  • Looking for a short-term return? Check out the 3-month CD from two different financial institutions offering 4.50%.
  • If you want to lock in a rate for over a year, set your sights on the 18-month CD from XCEL Federal Credit Union. Guarantee a return of 4.50% until November of next year.
  • Want higher yields for a longer period? Lafayette Federal Credit Union offers 4.33% APY for a full 24 months, or 4.28% for 4 years, giving you a chance to stash your funds away until 2030.

Remember, CD rates can vary significantly between banks and credit unions, so it's crucial to shop around. Multiyear CDs are a smart move, considering the potential for Fed rate cuts in 2025 and perhaps 2026. By locking in a rate now, you'll enjoy a guaranteed return until maturity.

For a comprehensive list of the best CD rates updated daily, be sure to check out our rankings:

  • Best 3-Month CD Rates
  • Best 6-Month CD Rates
  • Best 1-Year CD Rates
  • Best 18-Month CD Rates
  • Best 2-Year CD Rates
  • Best 3-Year CD Rates
  • Best 4-Year CD Rates
  • Best 5-Year CD Rates

(Note: Data current as of April 8-22, 2025)

As always, ensure that the institution offering the CD is federally insured, either by the FDIC for banks or the NCUA for credit unions. Your deposits are protected by the U.S. government in the unlikely event that the institution fails, and coverage is identical, regardless of the institution's size.

So, don't wait to take advantage of the best CD rates while they're available! Secure your financial future and enjoy the peace of mind that comes with a solid return. Happy saving!

  1. The best CD rates in 2023 have dropped from highs above 6%, but still provide an excellent opportunity for personal-finance enthusiasts to secure a competitive return.
  2. For those seeking a short-term return, consider the 3-month CDs offering 4.50% from two different financial institutions.
  3. If you're looking to lock in a rate for over a year, the 18-month CD from XCEL Federal Credit Union guarantees a return of 4.50% until November 2024.
  4. In the pursuit of higher yields for a longer period, Lafayette Federal Credit Union offers 4.33% APY for a full 24 months, or 4.28% for 4 years, with maturity as late as 2030.
CD buyers can secure diverse methods to protect their finances, regardless of tariff fluctuations and economic conditions. Choose a fixed rate of 4.50% for a duration of 3 to 18 months, or opt for a lower rate of 4.28% for extended durations.

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