The best certificate of deposit rates available in November 2026 range from 4.00% to 5.00% annual percentage yield, with Nuvision Credit Union and Popular Direct reaching the 5.00% ceiling. Terms range from three months to ten years depending on the institution, and some minimum deposits are $500, $1,000 or $2,500. Several online banks offer flexible products, including CDs without early withdrawal penalties and CDs allowing rate increases, such as those from Synchrony Bank, Marcus by Goldman Sachs, Ally Bank and NASA Federal Credit Union. The highest rates may require a larger minimum deposit or be restricted to promotional offers. Deposits are generally insured up to $250,000 by the Federal Deposit Insurance Corporation or the National Credit Union Administration.
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