For anyone with cash savings in the bank, 2023 has been a banner year for earning a historically high return on your money. CDs, in particular, ar⛎e paying stratospheric rates, with the leading return on a nationally available certificate sitting at a record 6.00% APY.

But some lucky savers can do even better. That's because the top rate of any CD in the country right now is 6.25% APY—and it's available to residents of five states. Plus, nine other regional CDs are paying 6.00%, in case you qualify for one of those and prefer their terms over the nationwide option.

This 6.00% CD Is Available to Anyone Nationwide

Though it's not the first time a nationally available CD has paid 6.00% APY, a new offer Friday returned the top rate to that record level after having fallen back to 5.75% and 5.80% for much of September. A two-week period beginning Aug. 30 was the only other time could you earn 6.00% with a nationally available certificate.

That excellent opportunity is back again now, with 's pick-your-term CD that pays 6.00% APY o⛦n any term you choose between 12 and 1𒈔7 months. But if you want a different duration or institution, keep reading to see if you qualify for any of the regional CDs also offering 6.00% APY.

Earn 6.25% in These Five States

Though it's not available to everyone in the country, today's ultimate CD leader is an option for millions of households. is paying 6.25% APY on an 11-month promotional certificate, and anyone who lives in Georgia, North Carolina, South Carolina, Tennessee, or Virginia is eligible to join the credit union. The minimum required deposit is $5,000.

Nine 6.00% CDs Available in Other Regions

Residents of other areas can qualify for these credit unions that are also offering 6.💯00% APY CDs. Many of these offer shorter durations than 🎶the 12–17 month term of the nationally available 6.00% certificate.

- 6.00% APY: This CD has a 3-month term and a minimum deposit of $500. It's available in the cities of Buffalo, Syracuse, Utica, and many other areas of New York State.

- 6.00% APY: Available for a 6-month term with a minimum deposit of $500, this CD is available to anyone who lives or works in the four Connecticut counties of Hartford, Middlesex, Tolland, or New Haven, or the Masschusetts county of Hampden.

- 6.00% APY: This CD has a 6-month term with a minimum deposit of $500. It's available to anyone who lives or works in one of 13 West Texas counties.

- 6.00% APY: Available for a 6-month term and a minimum deposit of $1,000, this CD is available to anyone who lives or works in La Crosse County, Wisconsin, as well as federal, state, and municipal employees living anywhere in the U.S.

- 6.00% APY: This CD has a 6-month term with only a $100 minimum deposit. It's available to those who live or work in Westmoreland County, Pennsylvania.

- 6.00% APY: Available for a 7-month term with a minimum deposit of $500, this CD is available to anyone who lives or works in 15 counties of the greater Dallas/Ft. Worth area.

- 6.00% APY: This CD is offered for a 9-month term and a $100 minimum deposit. It's available to those who live or work in specific areas of greater Houston, including parts of Harris County and all of Chambers and Liberty Counties.

- 6.00% APY: Available for a 12-month term and a $1,000 minimum deposit, this CD is available to anyone who lives or works in 13 Texas counties surrounding Dallas.

- 6.00% APY: This CD has a 13-month term and a $1,000 minimum deposit. It's is available to those who live or work in one of eight Omaha-area counties in Nebraska and Iowa.

Don't Qualify? You Still Have Lots of Great Options

Don't fret if you don't fit the bill for one of the 6.00%-plus offers above—you still have plentiful options to earn a historically high rate. Every weekday, we rank the best nationally available CD rates, and today's list includes more than two dozen certificates paying 5.65% APY or more. Have a big deposit? Our daily list of the 澳洲幸运5官方开奖结果体彩网:best jumbo CDs also offers plenty of winners.

Rate Collection Methodology Disclosure

Every business day, Investopedia tracks the rates of almost 100 banks and credit unions that offer savings accounts to customers nationwide, using that data to determine daily rankings of the top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the savings account's minimum initial deposit must not exceed $25,000.

For our list of the best CD rates, banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best high-yield savings accounts, 澳洲幸运5官方开奖结果体彩网:read our full methodology.