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Interest rates are a particularly important factor when considering a 10-year certificate of deposit, or CD, because your money will be locked in at that rate for an extended period. And contrary to expectations, 10-year rates are generally lower than certificates with shorter maturities. The drop in yield reflects the uncertainty in forecasting how the economy will grow over such a long period, as well as the difficulty in predicting where the Federal Reserve will set interest rates over the course of a decade.
To help you maximize what you can earn, we regularly analyze data from over 200 financial institutions that offer CDs nationwide to find and rank today’s highest paying 10-year options. .
In cases where multiple institutions pay the same maximum rate, we have prioritized the CDs by the shortest duration, then the CD requiring a smaller minimum deposit, and if still tied, by which the CD has a lighter penalty for early withdrawal.
Best CD prices over 10 years:
- Discover the Bank – 3.20% APY
- Apple Federal Credit Union – 3.00% APY
- Human Credit – 2.80% APY
- EmigrantDirect.com – 2.00% APY
- MySavingsDirect – 2.00% APY
- Saw bench – 2.00% APY
Our full ranking of the highest paying 10-year CDs available nationwide is listed below, including details on minimum deposits and early withdrawal penalties.
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