bank rates

CD Rates Leaderboard For December 17

We were afraid this might happen — and it did.

First Bank Richmond, which held the top spots in our rankings of the best nationally available 24-month and 36-month CD rates has limited new accounts to local Indiana customers.

That change puts Melrose Credit Union back on top in three categories and tied for first place in a fourth one.

Here’s where to find the best nationally available CD rates right now:

TERM BANK RATE MIN. DEPOSIT
3-Month CDs Sanibel Captiva 0.95% APY $1,000
6-Month CDs Aurora Bank 1.11% APY $1,000
Bank of Internet 1.11% APY $1,000
Ascencia 1.11% APY $1,000
12-Month CDs Melrose Credit Union 1.41% APY $5,000
Bank of Internet 1.41% APY $1,000
24-Month CDs Melrose Credit Union 1.66% APY $5,000
36-Month CDs Melrose Credit Union 2.17% APY $5,000
60-Month CDs Melrose Credit Union 2.93% APY $5,000


Banks and credit unions qualify for our rankings by selling their certificates of deposit online or through the mail, to savers nationwide.

New York-based Melrose Credit Union is one of the few credit unions we include because its unique charter allows anyone to join for only $1, regardless of where they live or work. (You will also be required to hold at least $25 in a savings account.)

Sanibel Captiva refers to Sanibel Captiva Community Bank, which has three branches in southwest Florida.

Ascencia is the online division of PBI Bank in Louisville, Ky. Bank of Internet is an online bank based in San Diego, while Aurora Bank has two offices in Wilmington, Del., and Jersey City, N.J.

Compare these returns with the best CD rates from scores of other banks in our database.

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