Top CDs Today: 6.18% Nation-Leading Rate Holds Strong | ORBITAL AFFAIRS

Discover the Best CD Rates for Your Savings


If you’re looking to grow your savings, a certificate of deposit (CD) can be a great option. With a CD, you can earn higher interest rates than traditional savings accounts, making it an attractive choice for those who want to maximize their returns. In this article, we will explore some of the best CD rates available in the market today.

The Top CD Rates

Bayer Heritage Federal Credit Union: 6.18%

One of the leading institutions offering competitive CD rates is Bayer Heritage Federal Credit Union. With an impressive rate of 6.18%, they stand out from the crowd. This credit union has a strong reputation for providing excellent customer service and reliable financial products. If you’re looking for a high-yield CD, Bayer Heritage Federal Credit Union is definitely worth considering.

Seattle Bank: 5.80%

Another institution that offers attractive CD rates is Seattle Bank. With a rate of 5.80%, they provide a solid option for individuals looking to grow their savings. Seattle Bank has a long history of serving its customers and has built a strong reputation in the banking industry. Their CDs offer competitive rates and flexible terms, making them a popular choice among savers.

Credit Human: 5.80%

Credit Human is another institution that offers a CD rate of 5.80%. Formerly known as San Antonio Federal Credit Union, Credit Human has been serving customers for over 85 years. They are known for their commitment to providing competitive rates and excellent customer service. If you’re looking for a reliable institution with attractive CD rates, Credit Human is worth considering.

TotalDirectBank: 5.76%

TotalDirectBank is a reputable online bank that offers a competitive CD rate of 5.76%. As an online bank, they have lower overhead costs, allowing them to offer higher interest rates to their customers. TotalDirectBank is known for its user-friendly online platform and excellent customer support. If you prefer the convenience of online banking and want to earn a high return on your savings, TotalDirectBank is an excellent choice.

Factors to Consider When Choosing a CD

While the interest rate is an essential factor when choosing a CD, there are other factors to consider as well:

Term Length

CDs come with different term lengths, ranging from a few months to several years. Consider your financial goals and when you’ll need access to your funds before selecting a CD with a specific term length. Keep in mind that longer-term CDs usually offer higher interest rates.

Early Withdrawal Penalties

It’s crucial to understand the early withdrawal penalties associated with a CD. Life can be unpredictable, and you may need to access your funds before the CD matures. Make sure you choose a CD with reasonable penalties in case you need to withdraw your money early.

FDIC Insurance

Ensure that the institution offering the CD is FDIC-insured. This means that even if the bank fails, your deposits are insured up to $250,000 per depositor. FDIC insurance provides peace of mind and ensures the safety of your funds.


If you’re looking to grow your savings, a CD can be an excellent option. With competitive rates offered by institutions like Bayer Heritage Federal Credit Union, Seattle Bank, Credit Human, and TotalDirectBank, you can earn higher returns on your savings. Consider the factors mentioned above and choose a CD that aligns with your financial goals. Start maximizing your savings today!

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