It offers terms from 6 months to 3 years. Idabel National Bank: 24-Month High-Yield CD - 4.50% APYīanesco ($1,500 minimum): Banesco Bank has very competitive rates, including one of the highest rates for 9-month CDs.American First Credit Union: 24-Month High-Yield CD - 4.65% APY.SkyOne Federal Credit Union: 12-Month High-Yield CD - 4.20% APY.Idabel National Bank: 12-Month High-Yield CD - 4.55% APY.American First Credit Union: 12-Month High-Yield CD - 5.30% APY.Western Alliance Bank: 12-Month High-Yield CD - 5.51% APY.Great Lakes Credit Union: 12-Month High-Yield CD - 4.00% APY.Ponce Bank: 6-Month High-Yield CD - 4.00% APY.Western Alliance Bank: 6-Month High-Yield CD - 5.70% APY.Ponce Bank: 3 Month High-Yield CD - 5.40% APY.Western Alliance Bank: 3-Month High-Yield CD - 5.51% APY.Here's our list of the best high-yield CDs for every need. You may prefer flexibility or have a specific term in mind. The right CD for you depends on your goals. If you're not sure about committing your money, then look for a bank that offers a No Penalty CD. The longer the term, the heavier the penalty. The amount is usually a few months of interest, depending on your term length. If you withdraw a CD before maturity, you will be penalized.
