To establish average certificate of deposits (CDs) rates, Curinos focused on CDs intended for personal use. The highest rate was 5.63%, which would net almost $4,465 in interest if you invested $25,000.

The national average APY for a three-year CD stands at 1.44%, up one point from last week and five basis points from a month ago. If you invest $25,000 in a 24-month CD at the high rate of 5.22%, you’d earn around $2,680 in interest. By locking in a rate close to this high, you’ll make the most of your returns on this longer-term investment. The current national high for a 24-month CD is 5.22%. The national average APY is 1.49%, a one basis point increase from last week and six basis points from one month ago. Interest rates on CDs with longer terms, such as those spanning two years, are climbing. The current national high for a 12-month CD is 5.37%, which would earn roughly $1,340 in interest with a $25,000 deposit. The national average APY is 1.52%, up two basis points from last week and eight basis points from a month before. 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 pick up 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’ database.

This is a considerable rise from 1.13% one month ago. The national average APY for six-month CDs is 1.25%, up marginally from 1.23% last week. When you opt for leading six-month CDs, you get a winning combination: solid interest rates and a commitment that’s only short-term.

The current national high for a three-month CD is 5.15%, which would earn more than $315 in interest with a $25,000 deposit. Over the past month, rates on three-month CDs have climbed by 15 basis points. Rates on three-month CDs have experienced a slight increase since last week, rising by one basis point to 0.84% today. Quoted rates are based on a $25,000 deposit.

Average cd interest rate