Long-term CDs are ideal for those seeking stable, high-yield savings. In 2025, many banks are offering competitive interest rates on 3-year, 5-year, and even 10-year CDs. These accounts provide secure returns with FDIC protection. Compare top long-term CD rates and maximize your savings.

What Are Long-Term CDs? Long-term Certificates of Deposit (CDs) are fixed-term deposit accounts with maturities typically ranging from three to ten years. These CDs offer higher interest rates compared to short-term options, making them ideal for those who don’t need immediate access to their funds.

Why Choose Long-Term CDs in 2025? Investing in a long-term CD in 2025 can be a smart decision due to:

Higher Interest Rates – Long-term CDs usually offer better APYs than savings accounts or short-term CDs.
Stability & Security – Your funds are protected from market fluctuations and are FDIC-insured up to $250,000 per depositor.
Guaranteed Returns – You lock in a fixed rate, ensuring steady growth of your savings.
Great for Retirement Planning – Long-term CDs can be part of a secure financial plan, ensuring predictable returns over the years.

Top Long-Term CDs to Consider in 2025

CIT Bank 5-Year CD

Minimum Deposit: $1,000
APY: 4.85%
FDIC Insured: Yes
Features: Competitive interest rates, secure savings, and reliable banking.

Barclays 3-Year CD

Minimum Deposit: $0
APY: 4.75%
FDIC Insured: Yes
Features: No minimum deposit required, easy account management.

Synchrony Bank 10-Year CD

Minimum Deposit: $2,000
APY: 5.00%
FDIC Insured: Yes
Features: Longest term with the highest interest, ideal for long-term financial planning.

Discover Bank 7-Year CD

Minimum Deposit: $2,500
APY: 4.90%
FDIC Insured: Yes
Features: Strong customer service, stable and predictable returns.

Ally Bank 4-Year CD

Minimum Deposit: $0
APY: 4.80%
FDIC Insured: Yes
Features: No penalty for early withdrawals, flexible banking options.

How to Choose the Best Long-Term CD?

Compare APYs – Higher APYs mean more interest earnings over time.
Understand Early Withdrawal Penalties – Many long-term CDs have strict penalties for early withdrawal.
Check FDIC Insurance – Ensure the CD is backed by FDIC insurance for financial security.
Consider Laddering Strategies – Investing in multiple CDs with different maturity dates can help balance flexibility and earnings.

Are Long-Term CDs Worth It in 2025? Long-term CDs are an excellent option for individuals looking for secure, predictable growth over multiple years. If you don’t need immediate access to your money, these CDs provide high yields and peace of mind.

Final Thoughts The best long-term CDs in 2025 offer a combination of stability, high interest rates, and financial security. Whether you’re saving for retirement or looking for a safe place to grow your wealth, choosing the right CD can help you achieve your financial goals.

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