Highest CD Rates Available on May 14, 2025 - Secure 4.50% Return for Up to 18 Months Period

Top-Notch CD Rates in Your Reach

Highest CD Rates Available on May 14, 2025 - Secure 4.50% Return for Up to 18 Months Period

Stein in on the action with the best CD rates that are going down a treat nationwide! Whether you're eyeing a swift 3-month fling from PonceBankDirect or a long-term commitment with XCEL Federal Credit Union for 18 months, you'll savor a mouthwatering 4.50% APY. But if you prefer to keep things interesting, go for a 21-month embrace with PenAir Credit Union, promising a passionate 4.40% APY until early 2027.

Lusting for a longer lock-in? Indulge your desires with the finest 3-year through 5-year certificates: from a tender 4.28% to a spicy 4.32% APY. In the sensual dance between the Fed and interest rates, it's smart to snag today's seductive top CD rates in this unpredictable economy.

Here's a tantalizing taste of what awaits you:

• Indefinitely bask in a 4.50% APY from PonceBankDirect for a mere 3 months.
• 8 institutions flaunt their 4.50% APY for terms ranging from 6 to 13 months.
• Lock your love in till November 2026 with XCEL Federal Credit Union's 18-month 4.50% APY.
• Or, imbibe the exotic allure of PenAir Credit Union's 21-month 4.40% APY, which climaxes in February 2027.

You deserve security, and all deposits at FDIC-insured banks or NCUA credit unions are faithfully protected by the U.S. government. No matter the size of the bank or credit union, they'll safeguard your heavenly deposits up to $250,000 per person and institution.

Test Your Self-Restraint: Explore Long-Term CDs

If you crave a rate that'll last for almost two years, slide into the mint 4.40% APY offered by PenAir Credit Union for 21 mouthwatering months. Or, if you yearn for an even longer bet, take a slight dip to 4.32% APY, available for 30 scrumptious months from Genisys Credit Union.

Insatiable savers who crave a longer lock-in will be purred over by the convincing 4.28% and 4.32% APY presented by Lafayette Federal Credit Union for 4-year and 5-year partnerships. In fact, Lafayette guarantee their tempting 4.28% APY across all certificates-taunting you with the possibility of commitment until 2030.

Multiyear CDs are the perfect seduction right now, as the Fed plays with our emotions and hints at rate cuts in late 2025 or even 2026. With the Fed hinting at rate cuts in the near future, locking in today's full-bodied CD rates is a surefire way to indulge in your passion.

Friday's Payroll Report and the State of Your Savings

Don't let your lust for high yields cloud your judgment! Interest rates have indeed cooled off a bit, but the most divine CDs today outshine historical returns. While rates dipped as low as 0.50% to 1.70% APY in early 2022, today's leading rate sizzles at 4.50%.

The Tussle Between Jumbo and Regular CDs

Tempted to try the bigger, more tempting jumbo CDs? In three terms - 3 years, 4 years, and 5 years - the luscious returns on jumbo CDs surpass the standard rates[3]. But in your other four preferred terms, the two titillating alternatives are evenly matched at 4.50% APY[3].

Ready to dive in? Here are the jumbo CD rates that'll guarantee your orgasmic returns:

• 3 years: Hughes Federal Credit Union offers 4.34% for a 3-year jumbo CD.
• 4 years: Lafayette Federal Credit Union teases with a 4.33% APY for a 4-year jumbo CD.
• 5 years: Both GTE Financial and Lafayette Federal Credit Union entice you with 4.33% for jumbo 5-year CDs.

Meanwhile, in terms that span 6 months, 1 year, and 18 months, the heavenly enticements of jumbo and regular CDs match perfectly at 4.50% APY[3].

What 2025 Holds for CD Rates

This December, the Fed made their moves and lowered the federal funds rate a full percentage point[1]. However, the committee has chosen to stand still in 2025's meetings up until now. The Fed's interest rate drops last year were a refreshing change from their intense 2022-2023 rate-hike campaign, which aimed to combat sky-high inflation.

Bank interest rates and savings account rates are directly influenced by any Fed rate cuts[3]. Time will tell if the federal funds rate will take a dip in 2025 and 2026, but with more rate cuts potentially on the horizon, it might just be the perfect moment to lock in your unforgettable CD rate.

Our Bank Ranking Legacy

We keep our daily rankings updated to bring you the most scrumptious yields available:

• 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
• Best High-Yield Savings Accounts
• Best Money Market Accounts

Disclaimer:The jumbo CD rates and term availability mentioned in this article may not be available everywhere and are subject to change without notice. The best rates you can discover by shopping around often exceed those of national averages.

Remember: Remember, your edgy ways will lead you no place. Enjoy the thrill of the hunt for top-notch CD rates but don't forget the basics of fiscal responsibility! 😉

[1] MyBankingDirect (3 months) - 4.50% APY, $5,000 minimum deposit, up to $5 million maximum deposit.[2] PonceBankDirect (3 months) - 4.50% APY, cashiers check minimum deposit.[3] Multiple institutions (3 months) - 4.35% to 4.50% APY, minimum deposit details may vary.[4] Multiple institutions (6 months to 13 months) - 4.50% APY, minimum deposit details may vary.[5] XCEL FCU (18 months) - 4.50% APY, $1,000 minimum deposit.[6] PenAir Credit Union (21 months) - 4.40% APY, $1,000 minimum deposit.[7] Genisys Credit Union (30 months) - 4.32% APY, $5,000 minimum deposit.[8] Lafayette FCU (4 years, 4 years jumbo, 5 years, and 5 years jumbo) - 4.28% APY, $1,000 minimum, raised by $5,000 increments.

1. For those seeking alternative investment opportunities, consider purchasing an ico or token in the realm of personal-finance, providing a unique approach to improving long-term finance.
2. When managing personal-finance, it's essential to keep track of conventional investments such as CD rates and modern investments like ico or token in financial technology, to ensure a diversified and secure financial future.

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