4.30% APY
17 months
N/A
$5,000
Connexus Credit Union stands out as the top choice because it offers a competitive 4.30% APY on its 17-month Special Share Certificate, making it an attractive option for savers looking for solid returns. The automatic renewal feature adds convenience, ensuring that your investment continues to grow without interruption.
Pros:
- High APY
- Automatic renewal option
Cons:
- High minimum deposit required
- Early withdrawal penalties
4.07% APY
6 months
N/A
$500
What sets Climate First Bank apart is its 6-month No-Penalty CD, which allows for flexibility with penalty-free withdrawals after just seven days. This makes it an excellent choice for those who may need access to their funds sooner while still earning a competitive APY.
Pros:
- No early withdrawal penalties
- Low minimum deposit
Cons:
- Shorter term
- Lower APY compared to longer CDs
4.20% APY
49 months
N/A
$10,000
The standout feature here is NASA Federal Credit Union's 49-month Certificate, which offers a solid 4.20% APY. This long-term investment is ideal for those looking to secure their savings for an extended period while benefiting from a high yield.
Pros:
- Longer term for stability
- High APY
Cons:
- Very high minimum deposit
- Funds must be new money
4.00% APY
5 years
N/A
$2,500
Sallie Mae Bank shines for its 5-year CD, which offers a competitive 4.00% APY with daily compounding interest. This account is perfect for savers who want to lock in a rate for the long haul while enjoying the benefits of compounding.
Pros:
- Daily interest compounding
- Long-term investment
Cons:
- High early withdrawal penalty
- No promotional rates
5.OMB Bank
4.05% APY
3 months
N/A
$1,000
OMB Bank offers a compelling 3-month CD with a 4.05% APY, making it an excellent choice for those looking for a short-term investment. The ability to lock in a fixed rate without a long-term commitment is a key advantage for savers.
Pros:
- Short-term commitment
- Competitive APY
Cons:
- Higher minimum deposit for a short term
- Limited term length
Final Words
In conclusion, as you consider the best CD rates available this June 2026, options like Connexus Credit Union's 17-month CD at 4.30% APY, along with others, provide competitive choices for maximizing your savings. Be sure to compare different providers to find the best fit for your financial goals and ensure you're making the most of your investment.
Frequently Asked Questions
The best CD rate available in the US as of June 2026 is offered by Connexus Credit Union, which provides a 17-month CD with an APY of 4.30%.
The Connexus Credit Union 17-month CD has an APY of 4.30%, requires a minimum deposit of $5,000, and carries a penalty for early withdrawals equal to 180 days of dividends.
The second-best CD option is offered by Climate First Bank, which has a 6-month CD with an APY of 4.07% and a minimum deposit of $500.
The NASA Federal Credit Union offers a CD with an APY of 4.20% for a term of 49 months, and it requires a minimum deposit of $10,000.
At maturity, most CDs, like the Connexus Credit Union 17-month Special Share Certificate, automatically renew into a standard 12-month Share Certificate at the prevailing rate unless you choose to withdraw your funds.
Yes, you can withdraw money from your CD before it matures, but there are usually penalties involved, such as a loss of interest for a specified period.
To choose the right CD for your savings, consider factors such as the interest rate (APY), term length, minimum deposit requirements, and early withdrawal penalties.
Interest rates for CDs are typically fixed for the duration of the term, meaning the rate will not change once you've opened the account.
Compare CD Rates
Summary of all rates from our cd rate pages. Click column headers to sort.
| Provider ↕ | Rate ↓ | Term ↕ | Min Deposit | |
|---|---|---|---|---|
| First National Bank of America | 4.30% APY | 5 years | $1,000 | Learn more |
| Connexus Credit Union | 4.30% APY | 17 months | $5,000 | Learn more |
| NASA Federal Credit Union | 4.20% APY | 49 months | $10,000 | Learn more |
| Climate First Bank | 4.07% APY | 6 months | $500 | Learn more |
| Popular Direct | 4.05% APY | 1 year | $10,000 | Learn more |
| OMB Bank | 4.05% APY | 3 months | $1,000 | Learn more |
| Sallie Mae Bank | 4.00% APY | 5 years | $2,500 | Learn more |
| Newtek Bank | 4.00% APY | 6 months | $2,500 | Learn more |
| LendingClub | 3.40% APY | 5 years | $500 | Learn more |
| Wells Fargo | 1.50% APY | 1 year | $2,500 | Learn more |
| Bank of America | 0.03% APY | 1 year | $1,000 | Learn more |


