CD rates remain steady for now, as experts predict no changes from the Federal Reserve in its upcoming meeting. This means that you can still find high-paying CDs with attractive interest rates.
To take advantage of these offers, some credit unions require membership or have specific location restrictions. However, we’ve compiled a list of accessible CD rates with deposit requirements at $1,000 or less and caps set no lower than $250,000.
Here are the top 5 most accessible CD rates:
1. **Prism Bank**: Up to 4.25% APY on a 6-month CD with just $1,000 required.
2. **Brilliant Bank**: Up to 4.60% APY on 3-month CDs with a minimum deposit of $1,000 and a cap of $500,000.
3. **Providence Bank**: Up to 4.60% APY on a 4-month CD with a minimum deposit of $1,000, available online for out-of-state residents.
4. **Charles Schwab Bank**: Up to 4.40% APY on a 1-year CD with a minimum balance requirement of just $1,000.
5. **Bask Bank**: Up to 4.50% APY on both 3- and 9-month CDs with a minimum deposit of $1,000.
Before applying, make sure to review the terms and conditions of each offer, including any fees, penalties for early withdrawal, and specific location requirements.
Source: https://www.marketwatch.com/picks/this-cd-is-still-paying-9-5-and-9-more-cds-with-the-highest-apys-of-march-2025-a543e4a1