{"id":44220,"date":"2023-02-24T07:00:00","date_gmt":"2023-02-24T12:00:00","guid":{"rendered":"https:\/\/wallethacks.com\/?p=44220"},"modified":"2024-03-16T07:54:16","modified_gmt":"2024-03-16T11:54:16","slug":"are-there-6-cd-rates-today","status":"publish","type":"post","link":"https:\/\/wallethacks.com\/are-there-6-cd-rates-today\/","title":{"rendered":"We Found 6%+ CD Rates Today: See The Best CD Rates Right Now"},"content":{"rendered":"\n

Whether you’re a retiree looking for cashflow or just a short term saver looking to squeeze out some extra yield, you might be surprised to learn that certificates of deposit are now offering such high yields.<\/p>\n\n\n\n

It wasn’t that long ago when even the best CD rates<\/a> paid next to nothing due to record-low interest rates.<\/p>\n\n\n\n

Well, times have changed, and short-term Certificates of Deposit (CDs) are once again offering decent returns for conservative and short-term investors. <\/p>\n\n\n\n

Is it possible to earn 6% on a CD today?<\/strong><\/p>\n\n\n\n

For example, you can easily earn 5% APY or higher in a high-yield savings account, and inflation-linked bonds<\/a> may pay even more. However, these rates are variable and fluctuate at anytime. CDs allow you to lock in today’s best interest rates for a specified period.<\/p>\n\n\n\n<\/iframe>\n\n\n<details class=\"block-toc\" open><summary>Table of Contents<\/summary><ol><li><a href=\"#h-are-there-6-cd-rates-today\">Are There 6%+ CD Rates Today?<\/a><\/li><li><a href=\"#h-best-5-cd-rates\">Best 5% CD Rates<\/a><\/li><ol><li><a href=\"#h-western-alliance-bank-acf-field-interest-rate-cd-3mo-post-id-42260\">Western Alliance Bank- 5.26% APY<\/a><\/li><li><a href=\"#h-barclays-acf-field-interest-rate-cd-12mo-post-id-14146\">Barclays – 5.00% APY<\/a><\/li><li><a href=\"#h-raisin-acf-field-interest-rate-cd-6mo-post-id-53837\">Raisin – 5.35% APY<\/a><\/li><li><a href=\"#h-quontic-bank-acf-field-interest-rate-cd-12mo-post-id-50086\">Quontic Bank – 5.30% APY<\/a><\/li><li><a href=\"#h-navy-federal-credit-union-5-30-apy\">Navy Federal Credit Union – 5.30% APY<\/a><\/li><\/ol><li><a href=\"#h-best-4-cd-rates\">Best 4% CD Rates<\/a><\/li><ol><li><a href=\"#h-raisin\">Raisin<\/a><\/li><li><a href=\"#h-marcus-by-goldman-sachs\">Marcus by Goldman Sachs<\/a><\/li><li><a href=\"#h-bask-bank\">Bask Bank<\/a><\/li><li><a href=\"#h-capital-one-360\">Capital One 360<\/a><\/li><li><a href=\"#h-citi\">Citi<\/a><\/li><li><a href=\"#h-cit-bank\">CIT Bank<\/a><\/li><li><a href=\"#h-discover-bank\">Discover Bank<\/a><\/li><li><a href=\"#h-live-oak-bank\">Live Oak Bank<\/a><\/li><li><a href=\"#h-penfed-credit-union\">PenFed Credit Union<\/a><\/li><li><a href=\"#h-synchrony-bank\">Synchrony Bank<\/a><\/li><li><a href=\"#h-ally-bank\">Ally Bank<\/a><\/li><li><a href=\"#h-marcus-by-goldman-sachs-0\">Marcus by Goldman Sachs<\/a><\/li><\/ol><li><a href=\"#h-final-thoughts\">Final Thoughts <\/a><\/li><\/ol><\/details>\n\n\n<p class=\"has-tertiary-bg-background-color has-background\">🔃 <strong>Updated March 2024<\/strong> with a sharp reduction in the number of credit unions that offer a CD of 6%. In the past, these are smaller credit unions with a small geographic footprint so membership was limited. Chances are, we won’t be seeing many 6% CD rates anytime soon as rates continue to fall.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-are-there-6-cd-rates-today\">Are There 6%+ CD Rates Today?<\/h2>\n\n\n\n<p><strong>Yes, we know of just one 6%+ CD right now but it’s at a smaller credit union.<\/strong><\/p>\n\n\n\n<p>We have not gotten to the point where there are many banks offering 6% CDs as a standard offering. Banks and credit unions may have promotional rates for a <em>very short time period.<\/em> They are using them as marketing tools, getting new depositors, and then lowering the rates back down to market-level rates.<\/p>\n\n\n\n<p>For months, there are only a few credit unions that offer (at the time of writing) 6%+ APY CDs:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/fpcu.org\/money-saving-rates\/certificates-ira-rates\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Partners Credit Union – 6.00% APY for 8 months<\/a> ($1k min, $5k max)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.desertriverscu.com\/deposit-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Desert Rivers Credit Union – 6.00% APY for 1 month Super CD<\/a> ($500 min)<\/li>\n<\/ul>\n\n\n\n<p>Last year, the above list was probably a dozen credit unions long. Today, you can see the list is much much smaller. Rates are going down so if you want to lock something in above 6%, you have to do it soon.<\/p>\n\n\n\n<p>A rate of mid-5% or so is more widely available for a federally-insured <a href=\"https:\/\/wallethacks.com\/what-is-a-cd-certificate-of-deposit\/\">certificate of deposit<\/a> available to everyone.<\/p>\n\n\n\n<p class=\"has-warning-yellow-background-color has-background\">⚠️ We aim to maintain the most up-to-date rates but since these change very quickly, sometimes our rates are out of date. Always check with the bank’s website to confirm the rate they are offering.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-5-cd-rates\">Best 5% CD Rates<\/h2>\n\n\n\n<p>It’s possible to earn 5% from select bank CDs. This is a great yield at the moment for this <a href=\"https:\/\/wallethacks.com\/best-short-term-investments\/\">low-risk investment<\/a>.<\/p>\n\n\n\n<p>Here is a selection of financial institutions offering 5% CD rates at the time of this writing:<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-western-alliance-bank-acf-field-interest-rate-cd-3mo-post-id-42260\">Western Alliance Bank- 5.26% APY<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"250\" height=\"188\" src=\"https:\/\/wallethacks.com\/wp-content\/uploads\/2023\/06\/western-alliance-bank-raisin.jpeg\" alt=\"\" class=\"wp-image-51902\" srcset=\"https:\/\/wallethacks.com\/wp-content\/uploads\/2023\/06\/western-alliance-bank-raisin.jpeg 250w, https:\/\/wallethacks.com\/wp-content\/uploads\/2023\/06\/western-alliance-bank-raisin-50x38.jpeg 50w, https:\/\/wallethacks.com\/wp-content\/uploads\/2023\/06\/western-alliance-bank-raisin-150x113.jpeg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/go.wallethacks.com\/western-alliance-6mo\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Western Alliance Bank<\/a>, through <a href=\"https:\/\/wallethacks.com\/raisin-review\/\">Raisin<\/a>, has a 3-Month CD with a solid 5.26% APY – one of the highest we’ve seen for a bank (non-credit union, like the ones listed above).<\/p>\n\n\n\n<p>It’s FDIC insured, like all the banks we list on the site, and there is a $1 minimum deposit.<\/p>\n\n\n\n<p>If you prefer a longer term, their <a href=\"https:\/\/go.wallethacks.com\/western-alliance-6mo\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">6-Month CD offers a yield of 5.23% APY<\/a>. The same terms, just a slightly longer term.<\/p>\n\n\n\n<p class=\"has-secondary-bg-background-color has-background\"><strong><a href=\"https:\/\/go.wallethacks.com\/western-alliance-3mo\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">👉 Open an account with Western Alliance Bank<\/a><\/strong><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-barclays-acf-field-interest-rate-cd-12mo-post-id-14146\">Barclays – 5.00% APY<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"151\" height=\"25\" src=\"https:\/\/wallethacks.com\/wp-content\/uploads\/2017\/06\/barclays-bank-logo.png\" alt=\"\" class=\"wp-image-4623\" srcset=\"https:\/\/wallethacks.com\/wp-content\/uploads\/2017\/06\/barclays-bank-logo.png 151w, https:\/\/wallethacks.com\/wp-content\/uploads\/2017\/06\/barclays-bank-logo-150x25.png 150w, https:\/\/wallethacks.com\/wp-content\/uploads\/2017\/06\/barclays-bank-logo-50x8.png 50w\" sizes=\"(max-width: 151px) 100vw, 151px\" \/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/go.wallethacks.com\/barclays-cds\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Barclays<\/a> is a well known British multinational bank that has a big presence in the online banking space. They are FDIC insured and offer high yield savings and certificate of deposit accounts.<\/p>\n\n\n\n<p>Their current offer is a competitive 5.00% APY on the 12-month CD.<\/p>\n\n\n\n<p>Find out more in our <a href=\"https:\/\/wallethacks.com\/barclays-bank-review\/\">Barclays Bank Review<\/a>. <\/p>\n\n\n\n<p class=\"has-secondary-bg-background-color has-background\"><strong>👉 <a href=\"https:\/\/go.wallethacks.com\/barclays-cds\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Open an account with Barclays<\/a><\/strong><\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-raisin-acf-field-interest-rate-cd-6mo-post-id-53837\">Raisin – 5.35% APY<\/h3>\n\n\n\n<p>We highlighted Western Alliance Bank above but <a href=\"https:\/\/go.wallethacks.com\/savebetter\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Raisin<\/a> has a few other banks on their roster that offer 5% or more on their certificates of deposit.<\/p>\n\n\n\n<p>Each of them has a minimum deposit of just $1 and for the no penalty CDs, there’s no penalty if you close it out early. These are also available nationwide, despite being a credit union:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/go.wallethacks.com\/oklahomastatebank-6mo\/37024-noPenaltyCD\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Oklahoma State Bank<\/a> has a 6-Month no penalty CD with a yield of 5.35% APY.<\/li>\n\n\n\n<li><a href=\"https:\/\/go.wallethacks.com\/techcu-nopenalty\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Tech CU<\/a> has a 5 Month CD with a rate of 5.36% APY.<\/li>\n\n\n\n<li><a href=\"https:\/\/go.wallethacks.com\/bluefcu-9moNPCD\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Blue Federal Credit Union<\/a> offers a short term no-penalty CD – 9-Month CD with a yield of 4.85% APY<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-quontic-bank-acf-field-interest-rate-cd-12mo-post-id-50086\">Quontic Bank – 5.30% APY<\/h3>\n\n\n\n<p><a href=\"https:\/\/go.wallethacks.com\/quontic-cd\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Quontic Bank<\/a> is a a digital bank that is also a CDFI (Community Development Financial Institution, a US Department of Treasury certification), which means they look to use private and public funds to help economically disadvantaged communities. It’s a positive mission.<\/p>\n\n\n\n<p>They offer a 12-month CD with a 5.30% APY, which is a great rate especially when you couple it with their savings account that offers 4.50% APY.<\/p>\n\n\n\n<p>Interest compounds daily, there are no monthly fees, and a $500 minimum balance.<\/p>\n\n\n\n<p class=\"has-secondary-bg-background-color has-background\"><a href=\"https:\/\/go.wallethacks.com\/quontic-cd\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\"><strong>👉 Learn more about Quontic Bank<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-navy-federal-credit-union-5-30-apy\">Navy Federal Credit Union – 5.30% APY<\/h3>\n\n\n\n<p>Navy Federal Credit Union was one of the first brick-and-mortar institutions to offer a 5% CD through a special offer and this is the best offer on tap. Get a 12-month <a href=\"https:\/\/www.navyfederal.org\/checking-savings\/savings\/savings-resources\/certificate-rates.html#special-offers\" target=\"_blank\" rel=\"noreferrer noopener\">Special EasyStart Certificate<\/a> that earns 5.30% APY (as of 1\/17\/2024) and is available in taxable accounts and one CD per member. The minimum deposit is $50, and the maximum is $250,000. <\/p>\n\n\n\n<p>Unfortunately, this credit union has strict membership requirements as you must come from a military background or be an immediate family member of a Navy Federal customer to join.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-4-cd-rates\">Best 4% CD Rates<\/h2>\n\n\n\n<p>Your CD options open up considerably when looking for a yield of at least 4%. It’s possible to get terms as short as one month or up to five years (if you’re a long-term planner).<\/p>\n\n\n\n<p>I know 4% rates aren’t as sexy when there are 5% and 6% rates out there, but here we are! 😂<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-raisin\">Raisin<\/h3>\n\n\n\n<p>You can find the best CD rates and avoid the hassle of chasing the highest yields by joining <a href=\"https:\/\/go.wallethacks.com\/savebetter\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Raisin<\/a>. <\/p>\n\n\n\n<p>This online platform partners with federally-insured banks and credit unions to offer competitive rates on high-yield savings accounts, term CDs, and <a href=\"https:\/\/wallethacks.com\/best-no-penalty-cd-rates\/\">no-penalty CDs<\/a>. Even if you purchase CDs from multiple banks, you can access them through your SaveBetter dashboard. <\/p>\n\n\n\n<p>In addition, you only need to deposit $1 compared to most banks with minimum deposits of $500 or more. However, you must carry high-yield CDs to term, but you can submit withdrawal requests for no-penalty CDs after 30 days.<\/p>\n\n\n\n<p>Here are some of the highest rates available by term:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-6-months-or-shorter\"><em>6 Months or Shorter<\/em><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Partner Bank<\/strong><\/th><th><strong>Term<\/strong><\/th><th><strong>Yield<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Ponce Bank<\/td><td>1-Month*<\/td><td>5.40% APY<\/td><\/tr><tr><td>Western Alliance Bank<\/td><td>6 Months<\/td><td>5.23% APY<\/td><\/tr><tr><td>Western Alliance Bank<\/td><td>3 Months<\/td><td>5.26% APY<\/td><\/tr><tr><td>Ponce Bank<\/td><td>6 Months<\/td><td>4.00% APY<\/td><\/tr><tr><td>Ponce Bank<\/td><td>4-Month<br>(No Penalty CD)<\/td><td>5.30% APY<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-12-month-cds-or-shorter\"><em>12-Month CDs or Shorter<\/em><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Partner Bank<\/strong><\/th><th><strong>Term<\/strong><\/th><th><strong>Yield<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Western Alliance Bank<\/td><td>12 Months<\/td><td>5.00% APY<\/td><\/tr><tr><td>Great Lakes Credit Union<\/td><td>12 Months<\/td><td>4.60% APY<\/td><\/tr><tr><td>American First Credit Union<\/td><td>12 Months<\/td><td>4.50% APY<\/td><\/tr><tr><td>SkyOne Federal Credit Union<\/td><td>12 Months<\/td><td>4.20% APY<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Learn More: <\/strong><a href=\"https:\/\/wallethacks.com\/best-12-month-cd-rates\/\">Best 12-Month CD Rates<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-24-month-cds-or-shorter\"><em>24-Month CDs or Shorter<\/em><\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Partner Bank<\/strong><\/th><th><strong>Term<\/strong><\/th><th><strong>Yield<\/strong><\/th><\/tr><\/thead><tbody><tr><td>American First Credit Union<\/td><td>24 Months<\/td><td>4.65% APY<\/td><\/tr><tr><td>Blue Federal Credit Union<\/td><td>15 Months<\/td><td>5.50% APY<\/td><\/tr><tr><td>Idabel National Bank<\/td><td>24 Months<\/td><td>4.90% APY<\/td><\/tr><tr><td>Idabel National Bank<\/td><td>15 Months<\/td><td>4.95% APY<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><a class=\"btn btn-success btn-lg\" href=\"https:\/\/go.wallethacks.com\/savebetter\/44220-6PercentCDRates\" target=\"_blank\">Find a Great CD Rate with Raisin<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-marcus-by-goldman-sachs\">Marcus by Goldman Sachs<\/h3>\n\n\n\n<p><a href=\"https:\/\/go.wallethacks.com\/marcus-by-goldmansachs\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Marcus<\/a> offers high-yield term CDs ranging from 6 months to six years with yields above 3%.<\/p>\n\n\n\n<p>These terms are currently yielding:<\/p>\n\n\n\n<ul>\n<li><strong>12 months:<\/strong> 5.25% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 5.00% APY<\/li>\n\n\n\n<li><strong>2 years:<\/strong> 4.40% APY<\/li>\n\n\n\n<li><strong>3 years:<\/strong> 4.30% APY<\/li>\n\n\n\n<li><strong>5 years:<\/strong> 4.10% APY<\/li>\n<\/ul>\n\n\n\n<p>Each product requires a $500 minimum balance. Additionally, your CD is eligible for the 10-day guarantee that automatically bumps your interest rate up to a higher amount if the advertised yield increases during the initial funding period.<\/p>\n\n\n\n\n\n<p>Learn more in our <a href=\"https:\/\/wallethacks.com\/marcus-by-goldman-sachs-review\/\">Marcus by Goldman Sachs Review<\/a>.<\/p>\n\n\n\n\n\n\n\n<p class=\"has-secondary-bg-background-color has-background\">👉 <a rel=\"noreferrer noopener\" href=\"https:\/\/www.marcus.com\/us\/en\" data-type=\"URL\" data-id=\"https:\/\/www.marcus.com\/us\/en\" target=\"_blank\"><strong>Learn more about Marcus<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bask-bank\">Bask Bank<\/h3>\n\n\n\n<p><a href=\"https:\/\/wallethacks.com\/bask-bank-review\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">Bask Bank<\/a> is best known for its savings account that earns American Airlines miles. You can also earn interest from a high-yield savings account and CDs:<\/p>\n\n\n\n<ul>\n<li><strong>6 months:<\/strong> 5.35% APY<\/li>\n\n\n\n<li><strong>12 months:<\/strong> 5.40% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 4.50% APY<\/li>\n\n\n\n<li><strong>24 months:<\/strong> 4.50% APY<\/li>\n<\/ul>\n\n\n\n<p>The minimum deposit is $1,000 for every Bask Bank CD.<\/p>\n\n\n\n<iframe src=\"https:\/\/products.gobankingrates.com\/pub\/709e5c30-a12d-4ab6-aba3-1de2b6903106?targeting%5Bcompany_product%5D=bask-bank-hysa\" scrolling=\"no\" frameborder=\"0\" width=\"100%\" height=\"135px\"><\/iframe>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-capital-one-360\">Capital One 360<\/h3>\n\n\n\n<p><a href=\"https:\/\/wallethacks.com\/capital-one-360-review\/\">Capital One 360<\/a> offers several online-only banking products, including its <a href=\"https:\/\/wallethacks.com\/capital-one-360-performance-savings\/\">360 Performance Savings<\/a> high-interest savings account and fee-free 360 Checking account.<\/p>\n\n\n\n<p>Another nice benefit is being able to purchase online CDs with no minimum deposit and a competitive rate:<\/p>\n\n\n\n<ul>\n<li><strong>6 months:<\/strong> 4.35% APY<\/li>\n\n\n\n<li><strong>9 months:<\/strong> 4.35% APY<\/li>\n\n\n\n<li><strong>12 months: <\/strong>5.25% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 5.25% APY<\/li>\n\n\n\n<li><strong>24 months:<\/strong> 4.35% APY<\/li>\n\n\n\n<li><strong>36 months:<\/strong> 4.30% APY<\/li>\n\n\n\n<li><strong>60 months:<\/strong> 4.10% APY<\/li>\n<\/ul>\n\n\n\n<p>Unfortunately, Capital One 360 doesn’t offer no-penalty or ramp-up CDs like several similar-sized platforms. Check out the latest <a href=\"https:\/\/wallethacks.com\/capital-one-360-new-account-bonus\/\">Capital One 360 Promotions<\/a> for more details. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-citi\">Citi<\/h3>\n\n\n\n<p>Citi® offers some of the best CD rates you’ll find at a <a href=\"https:\/\/wallethacks.com\/best-national-banks\/\">national bank<\/a>.<\/p>\n\n\n\n<p>It’s possible to open term and no penalty CDs that earn above 4%.<\/p>\n\n\n\n<p><strong>12-Month No Penalty CD:<\/strong> 4.05% APY and you can withdraw your funds after the first seven days. <\/p>\n\n\n\n<p><strong>Fixed Rate CD:<\/strong> 4.15% APY on a 12-month term. <\/p>\n\n\n\n<p>The minimum deposit is $500 for either account type.<\/p>\n\n\n\n<p>Citi offers fixed-rate CDs from 3 months to five years, but the rates are 2% or lower for the other terms, excluding the 12-month and 18-month terms. Check out <a href=\"https:\/\/wallethacks.com\/citibank-new-account-promotions\/\">Citi’s New Account Promotions<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cit-bank\">CIT Bank<\/h3>\n\n\n\n<p>Online-only <a href=\"https:\/\/wallethacks.com\/cit-bank-review\/\">CIT Bank<\/a> offers competitive yields for several insured savings products, including CDs. You have several options to choose from:<\/p>\n\n\n\n<ul>\n<li>No-Penalty CD: 36-Month term and a 3.10% APY. Withdrawals are possible seven days after account funding with a $1,000 minimum deposit. <\/li>\n\n\n\n<li>Term CDs: Three CIT Bank terms currently yield over 4% and have a $1,000 minimum deposit:\n<ul>\n<li>6 months: 4.35% APY<\/li>\n\n\n\n<li>18 months: 5.25% APY<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>While these rates are impressive and some of the highest in the industry, you should also consider the <a href=\"https:\/\/go.wallethacks.com\/cit-bank\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Savings Connect Account<\/a>. It’s a high-yield savings account that only requires a $100 opening deposit and currently earns .<\/p>\n\n\n\n<p>Find out more about the latest <a href=\"https:\/\/wallethacks.com\/cit-bank-bonus-promotions\/\">CIT Bank Bonus Promotions<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-discover-bank\">Discover Bank<\/h3>\n\n\n\n<p><a href=\"https:\/\/wallethacks.com\/discover-bank-online-savings-account-review\/\">Discover® Bank<\/a> offers several terms with a 4% or higher yield, including a <strong>10-year CD<\/strong>. There is a minimum deposit of $2,500 is though. <\/p>\n\n\n\n<ul>\n<li><strong>12 months:<\/strong> 4.70% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 4.40% APY<\/li>\n\n\n\n<li><strong>24 months:<\/strong> 4.00% APY<\/li>\n\n\n\n<li><strong>3 years:<\/strong> 3.75% APY<\/li>\n\n\n\n<li><strong>5 years:<\/strong> 3.75% APY<\/li>\n<\/ul>\n\n\n\n<p>Discover offers these CD rates in taxable and IRA CD accounts. Locking in a long-term rate in a traditional or <a href=\"https:\/\/wallethacks.com\/best-roth-ira\/\">Roth IRA account<\/a> can help you avoid paying taxes on your annual interest income. Here are the latest <a href=\"https:\/\/wallethacks.com\/discover-bank-bonus-promotions\/\">Discover Bank Promotions<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-live-oak-bank\">Live Oak Bank<\/h3>\n\n\n\n<p>Live Oak Bank has a 6-month CD offering 4.15% APY and a 1-Year CD with 4.45% APY.<\/p>\n\n\n\n<p>However, the longer terms yield less and all CDs require a $2,500 minimum deposit. <\/p>\n\n\n\n<p>Live Oak Bank also offers <a href=\"https:\/\/wallethacks.com\/live-oak-bank-bonus-promotion\/\">new customer bonuses<\/a> when you make a qualifying deposit into a savings account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-penfed-credit-union\">PenFed Credit Union<\/h3>\n\n\n\n<p>If you prefer banking with one of the nation’s largest <a href=\"https:\/\/wallethacks.com\/commercial-banks-vs-credit-unions\/\">credit unions<\/a>, then <a href=\"https:\/\/www.penfed.org\/accounts\/certificates-overview\" target=\"_blank\" rel=\"noopener\">PenFed<\/a> should be at the top of your list. <\/p>\n\n\n\n<p>Depositors can earn high rates on taxable and IRA certificates with a $1,000 minimum deposit. You can open an account online, by phone, or at a local branch.<\/p>\n\n\n\n<p>Non-retirement certificates are available, here are some of their rates:<\/p>\n\n\n\n<ul>\n<li><strong>6 months:<\/strong> 2.70% APY<\/li>\n\n\n\n<li><strong>12 months:<\/strong> 4.60% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 4.70% APY<\/li>\n\n\n\n<li><strong>2 years:<\/strong> 4.10% APY<\/li>\n\n\n\n<li><strong>3 years:<\/strong> 4.10% APY<\/li>\n\n\n\n<li><strong>5 years:<\/strong> 3.90% APY<\/li>\n<\/ul>\n\n\n\n<p>IRA certificates have similar yields but tend to be 0.10% lower, and the shortest term is 12 months. <\/p>\n\n\n\n<p>If you’re not a PenFed member, joining is easy, as the institution dropped its military and employment affiliation requirements a few years ago. You can join by depositing as little as $5 into an NCUA-insured savings account. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-synchrony-bank\">Synchrony Bank<\/h3>\n\n\n\n<p>You can earn competitive yields and enjoy $0 minimum balance CDs through <a href=\"https:\/\/go.wallethacks.com\/synchrony\/44220-6PercentCDRates\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Synchrony Bank<\/a>. Term CDs currently earn the highest yields, although its no-penalty and bump-up products are attractive too.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-term-cds\"><em>Term CDs<\/em><\/h4>\n\n\n\n<p>You can quickly build a CD ladder with these short-term, medium-term, and long-term CDs:<\/p>\n\n\n\n<ul>\n<li><strong>3 months:<\/strong> 2.25% APY<\/li>\n\n\n\n<li><strong>6 months:<\/strong> 4.25% APY<\/li>\n\n\n\n<li><strong>9 months:<\/strong> 5.50% APY<\/li>\n\n\n\n<li><strong>12 months:<\/strong> 4.50% APY<\/li>\n\n\n\n<li><strong>18 months:<\/strong> 4.90% APY<\/li>\n\n\n\n<li><strong>24 months:<\/strong> 4.30% APY<\/li>\n\n\n\n<li><strong>36 months:<\/strong> 4.30% APY<\/li>\n\n\n\n<li><strong>60 months:<\/strong> 4.30% APY<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-no-penalty-cd\"><em>No Penalty CD<\/em><\/h4>\n\n\n\n<p>An 11-Month no-penalty CD can earn 3.90% APY, and your funds are withdrawable beginning on the seventh day.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-bump-up-cds\"><em>Bump-Up CDs<\/em><\/h4>\n\n\n\n<p>If you think future CD rates will increase before your current CD matures, but if you don’t want to commit new funds, you may consider a Bump-Up CD.<\/p>\n\n\n\n<p>The current 24-month term earns 3.70% APY, which is lower than the traditional 24-month CD, but you can commit a small amount as there are zero deposit minimums. Learn more about Synchrony Bank in our <a href=\"https:\/\/wallethacks.com\/synchrony-bank-review\/\">full review<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ally-bank\">Ally Bank<\/h3>\n\n\n\n<p><a href=\"https:\/\/wallethacks.com\/ally-bank-review\/\">Ally Bank<\/a> offers a desirable No Penalty CD rate at 4.25% APY with an 11-Month term and no minimum deposit. You may also qualify for a 0.05% Loyalty Reward when you renew your CD at maturity. <\/p>\n\n\n\n<p>It’s also possible to earn at least 4-5% interest on term CDs of at least 12 months and earn a Loyalty Reward at renewal. Learn more about <a href=\"https:\/\/wallethacks.com\/ally-bank-invest-bonus-promotions\/\">Ally Bank & Ally Invest Bonus and Promotions<\/a>. <\/p>\n\n\n\n<p><a class=\"btn btn-success btn-lg\" href=\"https:\/\/go.wallethacks.com\/ally-invest\/44220-6PercentCDRates\" target=\"_blank\">Get Started with Ally<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-marcus-by-goldman-sachs-0\">Marcus by Goldman Sachs<\/h3>\n\n\n\n<p>You can open two CDs with flexible redemption benefits that make it easier to get a higher rate on your money:<\/p>\n\n\n\n<ul>\n<li><strong>13-month<\/strong> <strong>No-Penalty CD:<\/strong> 4.70% APY and withdrawals are possible seven days after initial funding. <\/li>\n\n\n\n<li><strong>20-Month Ramp Bump CD: <\/strong>4.35% APY with the opportunity to request one rate switch during the term penalty-free if future rates increase.<\/li>\n<\/ul>\n\n\n\n<p>Both products require a $500 minimum deposit. The traditional high-yield CDs also earn a decent interest rate but you lack the flexibility of the above options. You should compare the yields of the three CD products to find the best rate and term for your goals.<\/p>\n\n\n\n<p><a class=\"btn btn-success btn-lg\" href=\"https:\/\/go.wallethacks.com\/marcus-by-goldmansachs\/44220-6PercentCDRates\" target=\"_blank\">Get Started with Marcus by Goldman Sachs<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final Thoughts <\/h2>\n\n\n\n<p>While 6% CD rates are currently limited, a <a href=\"https:\/\/wallethacks.com\/best-certificate-deposit-rates\/\">term CD<\/a> or a <a href=\"https:\/\/wallethacks.com\/best-no-penalty-cd-rates\/\">no-penalty CD<\/a> is a reliable way to earn at least 5-6%, and secure a decent return from several leading banks for as little as six months or as long as 24 months. <\/p>\n\n\n\n<p>These rates rival the <a href=\"https:\/\/wallethacks.com\/best-online-high-yield-savings-account-banks\/\">best high-yield savings accounts<\/a> and can be a more productive place to park the cash you don’t plan to spend during the next one or two years. <\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Times have changed, and short-term Certificates of Deposit (CDs) are once again offering decent returns for conservative and short-term investors. But how high have rates risen? Is it possible to earn 6% on a CD today? While a 6% CD return may be unrealistic, here are the banks and credit unions offering as much as 5% on CDs. <\/p>\n","protected":false},"author":1,"featured_media":44377,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[16],"tags":[96,93,17754,95,17755],"wppr_data":{"cwp_meta_box_check":"No"},"acf":[],"yoast_head":"\n<title>Are There 6% CD Rates Today? - Best Wallet Hacks<\/title>\n<meta name=\"description\" content=\"Certificates of deposit are once again offering attractive returns, but can you earn 6% or more? 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He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free. He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader. Recently, he's invested in a few pieces of art on Masterworks too. >> Read more articles by Jim Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.\",\"sameAs\":[\"https:\/\/www.facebook.com\/jimwang\",\"https:\/\/www.linkedin.com\/in\/wangarific\/\",\"https:\/\/www.pinterest.com\/wallethacks\/\",\"https:\/\/twitter.com\/wallethacks\"],\"url\":\"https:\/\/wallethacks.com\/author\/jim\/\"}]}<\/script>\n","yoast_head_json":{"title":"Are There 6% CD Rates Today? - Best Wallet Hacks","description":"Certificates of deposit are once again offering attractive returns, but can you earn 6% or more? 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He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free. He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader. Recently, he's invested in a few pieces of art on Masterworks too. >> Read more articles by Jim Opinions expressed here are the author's alone, not those of any bank or financial institution. 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