bank rates

Highest CD Rates Roundup For Jan. 11

Bringing you the very best CD rates from credit unions and local banks.We took an unusual step today, removing 39 of the top credit union and local deals from our list of the highest CD rates.

These deals are all still good, mind you. That’s why removing them was so unusual.

The problem: They no longer beat the top 60-month deal on our CD Rates Leaderboard, which we promised every offer on this list would do.

This week, we added CSBdirect to the Leaderboard. The online division of Citizens State Bank in Florida pays 2.05% APY for 5-year certificates of deposit.

In this low interest rate environment, that’s an incredibly high yield for a nationally available bank offer.

In fact, it’s been more than a year since we found a bank that offered a better deal to savers nationwide.

Grab it while it lasts.

Even with the purge, there are 19 local deals that offer a higher yield than CSBdirect, topping out at 2.70% APY for a 10-year CD in Texas.

Included on this list are two deals we added this week:

  • Jefferson Financial Credit Union ( in Louisiana pays 2.25% APY with a $10,000 minimum deposit on 60-month CDs. Credit union membership is open to residents of Jefferson Parish, students and staff members of Jefferson Parish’s public school system, staff members of St. James Parish’s public school system, and faculty and staff members of Ochsner Health System.
  • University of Iowa Community Credit Union ( pays 2.15% APY with a $500 minimum deposit on 49-60 month CDs. Credit union membership is open to University of Iowa students and alumni; their family members also qualify for membership as well as anyone living or working in 42 eastern Iowa counties.

We also added a number of shorter-term offers that beat the top nationally available rates for those terms:

  • BrightStar Credit Union ( in Florida pays 1.50% APY with a $500 minimum deposit on 23-month CDs. You will, among other things, be required to open a checking account to earn this rate. Credit union membership is open to anyone who lives, works or goes to school in Broward or Palm Beach counties in Florida as well as their family members.
  • University of Iowa Community Credit Union has two other strong offers in addition to its best offer listed above. It pays 2% APY on 47-48 month CDs and 1.35% APY on a 21-month CD.
  • USAlliance Federal Credit Union ( has several strong deals available on Fridays in January only. It pays 1.20% APY on 12-month CDs, 1.30% APY on 15- and 24-month CDs and 1.51% APY on 36-month CDs all with a $500 minimum deposit. Credit union membership is open to savers anywhere who first become a supporter of WARC, a community outreach program for children with developmental disabilities and their families. USAlliance Federal Credit Union will even make that $15 donation for you.

Unfortunately, we also had a number of rate cuts this week, including the loss of the last 3% rates on our list.

NavyArmy Community Credit Union in Texas cut its 30-month rate from 3% APY to 2.50% APY.

Another Texas credit union also cut rates. San Antonio Federal Credit Union trimmed its 10-year CD from 3.15% APY to 2.90% APY, its 7-year deal from 2.70% APY to 2.34% APY and its 3-year CD from 1.45% APY to 1.35% APY. This institution also cut its 5-year rate, which is no longer on our list.

You’ll find all the top-paying deals clearly marked on our highest CD rates page, showing where they are available, with a quick link back to the original post, which includes more information on the institution and its requirements.

We’ll update this page weekly, so you’ll always know what great deals are out there from credit unions and local banks.

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