Annual percentage yield (APY) is the effective annual rate of return on an investment. Learn how it accounts for compounding interest and how it differs from APR.

Roske continued, "It's worth noting that the 24-month term was the only median APY benchmark to remain unchanged when compared to October's rates, while the 36- and 48-month term CD rates slightly ...

Looking for the best certificate of deposit (CD) rates today? As of Dec. 11, 2025, Daniels-Sheridan Federal Credit Union is offering the best rate at 5.11% annual percentage yield (APY) for a 12-month ...