If you want to explore more options-including credit union CDs-we also publish a complete list of the best nationwide CD rates, as well as stand-alone pages for the best 3-month, 6-month, 1-year, 18-month, 2-year, 3-year, 4-year, 5-year, and 10-year CD rates. Ranked by highest APY, then shortest term, then lowest minimumĭetailed information on the top nationally available bank CD in each term is provided below, including specifics about minimum deposits and early withdrawal penalties.