Best 10-Year CD Rates for June 2025: Up to 4.06%

The best 10-year CD rate right now is 4.06% APY. Locking in a rate for 10 years means you may be able to earn more in interest if rates drop in the future. Many shorter-term CDs currently pay higher rates, but a 10-year CD would help you grow your money over the course of a decade. Credit Human offers the best 10-year CD right now, and you can sign up for it after getting a membership with the American Consumer Council. With a minimum deposit of $500 for a CD with a term of 120 months, you could earn at least $247 by the time the CD matures. Other top nationwide 10-year CD rates start from 2.00% on terms of 84 to 120 months. All of Investopedia’s 10-year CD rates in this article were verified by a staff editor and are available to open as of June 6, 2025.

In the News

The Fed held rates steady for a third consecutive time at its M🍸𒅌ay 7 meeting. Three rate cuts from September through December last year lowered the 澳洲幸运5官方开奖结果体彩网:federal funds rate by a full percentage point to a range of 4.25%–4.50%, its lowest range since February 2023. CD rates closely follow the fed funds rate, which means CD rates are expected to come down if the Fed lowers rates.

Below are the top CD and annuity rates available from our partners, followed by the best CD rates that we've found from 澳洲幸运5官方开奖结果体彩网:our research that are avౠailable to U.S. customers everywhere:

The Top 10-Year CD Rates Right Now

澳洲幸运5官方开奖结果体彩网:Credit Human – 4.06% APY
澳洲幸运5官方开奖结果体彩网:First National Bank of America – 3.90% APY
澳洲幸运5官方开奖结果体彩网:Discover Bank – 3.50% APY
Vio Bank – 2.75% APY
– 2.00% APY
– 2.00% APY
澳洲幸运5官方开奖结果体彩网:BluPeak Credit Union – 2.00% APY

To be included in Investopedia’s ranking of the best 10-year CD rates, the CD must have a term of 84 to 120 months. When different banks or credit unions offer the same annual percentage yield (𒅌APY), we rank the shortest CD term first, then the CD with the smaller minimum deposit. If there’s still a tie, we rank the ꧑institutions alphabetically by name.

Why You Should Trust Us

Investopedia launched in 1999 and our staff editors, research analysts, and compliance managers have been collecting first-party CD rate data and ranking the best 10-year CD rates since 2020. Our team works hard every business day to keep this article up to date and accurate. We go directly to bank and credit union websites every weekday to check these rates and make changes to our content as needed. Our full-time team aims to be unbiased to ensure you’re getting the best CD rate recommendations.

澳洲幸运5官方开奖结果体彩网:Credit Human – 4.06% APY

Term: 84-120 months
Minimum deposit: $500
Early withdrawal penalty: Greater of $50 or 1,095 days of interest
Overview: Anyone can join Credit Human by agreeing to a complimentary membership in the nonprofit American Consumer Council and keeping at least $5 in a member savings account. Headquartered in San Antonio, Texas, Credit Human dates back to 1935.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:First National Bank of America – 3.🦹90% APY

Term: 120 months
Minimum deposit: $1,000
Early withdrawal penalty: 18 months of interest
Overview: First National Bank of America, founded in 1955, has three locations in Michigan and serves customers nationwide through online banking. It is headquartered in East Lansing, Michigan.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Discover Bank – 3.50% APY

Term: 84 or 120 months
Minimum deposit: Any amount
Early withdrawal penalty: 24 months of interest
Overview: Discover is known for its credit cards and loan products, but it also offers nationwide online-only banking products.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:Vio Bank – 2.75% APY

Term: 84 or 120 months
Minimum deposit: $500
Early withdrawal penalty: 3% of the amount withdrawn plus a $25 fee
Overview: Vio Bank is the online banking division of MidFirst Bank. Established in 1911, Midfirst Bank is headquartered in Oklahoma.
Rate verified as of June 6, 2025

Term: 60-120 months
Minimum deposit: $1,000
Early withdrawal penalty: 6 months of interest
Overview: EmigrantDirect.com is an online division of Emigrant Bank. The bank is a New York brick-and-mortar institution that was established in 1850.
Rate verified as of June 6, 2025

Term: 60-120 months
Minimum deposit: $1,000
Early withdrawal penalty: 6 months of interest
Overview: MySavingsDirect is an online division of Emigrant Bank. A New York institution, Emigrant Bank has a history dating back to 1850.
Rate verified as of June 6, 2025

澳洲幸运5官方开奖结果体彩网:BluPeak Credit Union – 2.00% APY

Term: 60-120 months
Minimum deposit: $1,000
Early withdrawal penalty: 6 months of interest
Overview: You can join BluPeak by making a $25 donation to KPBS, San Diego’s public TV and radio station. The credit union is based in San Diego.
Rate verified as of June 6, 2025

Compare the Top-Paying 10-Year CDs

Institution	APY	Term	Minimum Deposit	Early Withdrawal Penalty
澳洲幸运5官方开奖结果体彩网:Credit Human	4.06%	84-120 months	$500	Greater of $50 or 1,095 days of interest
澳洲幸运5官方开奖结果体彩网:First National Bank of America	3.90%	120 months	$1,000	18 months of interest
澳洲幸运5官方开奖结果体彩网:Discover Bank	3.50%	84 or 120 months	Any amount	24 months of interest
Vio Bank	2.75%	84 or 120 months	$500	3% of the amount withdrawn plus a $25 fee
	2.00%	60-120 months	$1,000	6 months of interest
	2.00%	60-120 months	$1,000	6 months of interest
澳洲幸运5官方开奖结果体彩网:BluPeak Credit Union	2.00%	60-120 months	$1,000	6 months of interest

Fast Fact

When asked in March where they would be most likely to put an extra $10,000, 澳洲幸运5官方开奖结果体彩网:10% of Investopedia readers said they would choose CDs, above high-yield savings accounts and paying down debt, but trailing individual stocks, ETFs, and money market funds.

How We Find the Best 10-Year CD Rates

Every weekday for over four🦹 years, Investopedia’s team of full-time staff editors, research analysts, and compliance managers use tools to collect data on more than 200 banks and credit unions that offer CDs. We have a designated editor check 𒉰all rates in articles once per day and double-check rates weekly. We also regularly add institutions as they expand their availability or we learn of new nationwide CDs.

All CDs in our database must be available nationwide to qualify for our rankings. We collect, track, and verify CD rates for terms ranging from 3 months to 10 years. All banks and credit unions in our articles must also be federally insured by the FDIC or NCUA. A CD’s minimum deposit 👍must not be more than $25,000, and the maximum deposit can’t be less than $5,000.

Banks must be available in at least 40 states to qualify for our best CD rates articles. Credit unions may require you to donate or join a nonprofit or association in order to become a member if you don’t meet its other membership requirements (like living in the state or working in an industry). A credit union that charges $40 or more for its donation or membership requirement is excluded from our article. Read more about 澳洲幸运5官方开奖结果体彩网:Investopedia’🦹s CD and savings rates methodology to learn how ou𝓀r team of full-time staff developed this strategy for ranking the best rates.

Your Guide to CDs

*Disclosure: Annuity rates are subject to change at any time and the rate mentioned may no longer be current. Please visit for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity, instead, it is taxed annually.

Investopedia custom visual asset shows a calendar with a clock on it and change, with the title Best 10-year CD Rates — Investopedia / Alice Morgan

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.