Can You Still Get a 5% CD in 2025? Here’s What You Need to Know

In today’s financial climate, many savers are wondering: Can you still get a 5% Certificate of Deposit (CD)? The good news is yes — but it takes knowing where to look and understanding the best options available in 2025.

Why 5% CDs Are Still Possible

With interest rates still relatively high following the Federal Reserve’s adjustments, some credit unions and online banks are offering short-term CDs with APYs of 5% or higher. These rates are often temporary promotions, so timing is critical.

Top Banks and Credit Unions Offering 5%+ CDs

Here are some of the best options available right now:

• America First Credit Union: 3–5 month CDs at 5.25% APY (minimum $500).
• Genisys Credit Union: 7-month CDs at 5.25% APY (minimum $500).
• Barclays: 6-month CD at 5.10% APY, no minimum deposit.
• Bask Bank: 3-month CD at 5.10% APY, 6-month CD at 5.00% APY.
• NexBank: 1-year CD at 5.09% APY for $25,000–$240,000.
• Bank5 Connect: 6-month CD at 5.05% APY (minimum $500).

These rates are excellent for short-term investors who want a guaranteed return with minimal risk.

Why Locking in a 5% CD Now Makes Sense

• Interest rates may drop soon: Many analysts expect a Fed rate cut in the coming months, which could lower CD rates.
• Safety and predictability: Unlike stocks or crypto, CDs offer fixed returns and FDIC or NCUA insurance up to $250,000.
• Flexibility: Short-term CDs allow you to reinvest quickly if rates improve or lock in your money now before rates drop.

Tips for Choosing the Best 5% CD

1. Check minimum deposits: Some online banks require as little as $500, while others require $10,000+.
2. Consider term length: Short-term CDs provide flexibility, while longer terms may lock your money for higher rates.
3. Compare penalties: Early withdrawal penalties can reduce your gains.
4. Look for online-only deals: Many top rates are only available through online banking platforms.

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Conclusion
Yes, it is still possible to find a 5% CD in 2025, especially if you focus on short-term promotions from credit unions and online banks. Acting quickly and comparing your options can help you maximize your returns while keeping your money safe.

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