Business Insider's personal finance team independently reviews over 100 nationwide financial institutions to create a list of the best CDs currently offered by banks and credit unions across the U.S.
The best CD rate we've found is 9.50% APY from California Coast Credit Union Celebration Certificate. However, the credit union has a small footprint for eligible applicants, and there are caps on the amount of interest you can earn.
CDs aren't as accessible as other types of savings accounts, so keep in mind how long you can keep money in the account without potentially facing early withdrawal penalties.
Our top picks for CDs are protected by federal insurance. Bear in mind money is safe at a federally insured credit union or bank.
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