Top CD Rates Hold Steady But Some Credit Unions Offer Higher Returns

The top national CD rate remains unchanged at 6.50% APY for an 8-month term with a $5,000 max deposit.

Two credit unions are offering 6% APY on 12-17 month CDs with no max deposit cap.

There are now 16 CDs paying 5.75% or higher, up from 9 in early October.

CD shoppers in 5 states can earn 6.25% with a top regional bank CD.

The Fed may raise rates again in Dec/Jan but is expected to hold steady at its next meeting.