One-year CDs can give you returns as high as, or even higher than, longer-term options. If you’re up for setting aside your savings for a full year, you’ll be able to grab even more impressive rates. You’d earn almost $670 in interest if you put $25,000 in a six-month CD with a rate of 5.41%. But you may be able to find better deals by shopping around. The current top national rate for a 6-month CD is 5.41%, according to the data available from Curinos. The national average APY for six-month CDs is 1.30%, which is up two basis points from last week and 10 basis points higher than a month ago. The top six-month CDs can offer the best of both worlds: strong interest rates and a short-term commitment. The current national high for a three-month CD is 5.83%, which would earn more than $355 in interest with a $25,000 deposit. The national average rate was 0.88% as of June 14, 2023, the latest data available, up two basis points from the previous week and up seven basis points from a month prior. Rates on three-month CDs have increased slightly from a week ago. Quoted rates are based on a $25,000 deposit.
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