Banks or credit unions: Who offers better rates? 1-year credit union CD FAQs Research methodology Bankrate’s picks for the top 1-year credit union CD rates Note: Annual percentage yields (APYs) shown are as of Nov. 27. Bankrate's editorial team validates this information regularly, typic...
Banks also set their own rates to be competitive. As inflation has receded, we’ve seen banks and credit unions begin to lower APYs on their CDs as well. “Individual institutions set their rates based upon their need for deposits,” said Tracy Bell, CFA and director of equity strategies ...
All the CDs on our list are from banks insured by the FDIC (or NCUA for credit unions). This means if the bank or credit union fails, the federal government protects your money up to $250,000 per depositor, per ownership category. High-Yield CD Rates - Up to 4.17% APY No fees $...
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