5 Best 10-Year CD Rates Today: December 2025 — Earn Up to 3.90% APY 

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Savers with long-term goals may find a lot of value in a 10-year CD. Credit Human has the best 10-year CD rate available, offering APY.

Today’s Best 10-Year CD Rates

Before you lock your funds into such a long-term commitment, make sure you read the fine print. Here’s a breakdown of the top 10-year CDs with the best rates.

Credit Human

• APY:
• Account minimum: $500
• Early withdrawal penalty: Either 36 months’ worth of interest or $50, whichever is greater

Credit Human offers a 10-year certificate that is an accessible option for many savers. That’s especially true because joining this credit union is relatively easy. Prospective members can join by agreeing to a complimentary membership in the American Consumer Council. Additionally, members must keep at least $5 in a member savings account.

Pros

• Relatively low minimum opening deposit
• High interest rate
• Part of a shared branch network

Cons

• Steep early withdrawal penalty
• Need to meet membership requirements

Apple Federal Credit Union

• APY:
• Account minimum: $500
• Early withdrawal penalty: A maximum of 36 months’ worth of interest

As a credit union, Apple Federal Credit Union is member-focused and offers various methods of customer service — customer support is available by branch, video appointment or phone.

This will be a solid option if you qualify for membership. The most common way to qualify is by living, working, worshipping, or attending school in qualifying areas of northern Virginia. However, employees or members of other organizations can also apply for membership.

Pros

• Relatively low minimum opening deposit
• High interest rate

Cons

• Steep early withdrawal penalty
• Need to meet membership requirements
• Small branch network in Virginia

Discover® Bank

• APY:
• Account minimum: $0
• Early withdrawal penalty: 24 months’ worth of simple interest

Discover Bank, Member FDIC, doesn’t offer the highest rate on the list, but it’s still competitive. And since Discover is a bank, you won’t have to jump through any credit union membership requirements. The early withdrawal penalty is also somewhat lower than some other 10-year CD options.

Pros

• Good interest rate
• No minimum deposit required
• No membership requirements
• Well-rated mobile app

Cons

• Lower interest rate than some others on the list
• No physical branches to open an account

Vio Bank

• APY:
• Account minimum: $500
• Early withdrawal penalty: 3% of the amount withdrawn, plus a $25 fee

Vio Bank, the online division of MidFirst Bank, has a CD minimum balance requirement of $500. Therefore, savers at most levels can qualify and open an account. But the early withdrawal penalty is high. Before moving forward with this CD, make sure you won’t have to make an early withdrawal. 

Pros

• Decent interest rate
• Relatively low minimum opening deposit
• No membership requirements

Cons

• High early withdrawal penalty
• Lower interest rate than some others on the list
• No physical branches to open an account

EmigrantDirect

• APY:
• Account minimum: $1,000
• Early withdrawal penalty: Six months’ worth of interest

Emigrant Bank has been around since 1850, and EmigrantDirect is the online banking division of this long-standing bank. The bank requires a minimum account balance of $1,000, which could be a limiting factor for some savers. But the early withdrawal penalty of six months’ worth of interest is more affordable than some of the other options on this list.

Pros

• Decent interest rate
• More affordable early withdrawal penalty

Cons

• Lower interest rate than others on the list

Keep in Mind

A 10-year CD is a big commitment. If you open a 10-year CD, you could:

• Lose access to your funds for an entire decade
• Risk paying steep penalties for an early withdrawal of those funds.

Keep that time commitment in mind when selecting the appropriate CD for your situation.

How Much Can You Earn with a 10-Year CD Right Now?

You can calculate exactly how much your 10-year CD will pay before signing up. For example, let’s say you plan to deposit money into a 10-year CD with an APY of 3.50% that reinvests its dividends. Here’s how much you would earn when you deposit $1,000, $5,000 or $10,000:

Long-Term CD Rate Movement Tracker

The FDIC does not have national average rates data for terms of 10 years, as it’s a less common term. However, it does share national average rates data for 4-year and 5-year terms.

Trends from 4-year and 5-year CD rates can help provide context for 10-year CD rates. Longer-term CDs tend to follow similar trends. Here’s an overview of how national long-term CD rates have changed in 2025.

Are 10-Year CDs Going Up or Down?

Generally, 10-year CD rates have remained relatively stable in 2025. However, rate cuts by the Federal Reserve could change your finances because banks are influenced by these adjustments and usually lower rates on CDs as a result.

If you look at historical CD rates, you can see that CD rates rose rapidly in 2022 and 2023. During this time, the Fed raised interest rates to tackle inflation. 

Since then, the Fed has been working toward lowering inflation to 2% while also maintaining maximum employment and stable prices. The Fed has cut rates a few times in 2024 and 2025, which has caused slight declines in CD rates overall, but there’s also been long periods of time where the Fed has maintained rates.

According to the latest Summary of Economic Projections released by the Fed, more rate cuts are anticipated in the future, but there’s disagreement between Federal Reserve board members on how quickly the cuts should occur. 

If you look specifically at 10-year CD rates, you will find that the rates are lower than those of short-term certificates. When this occurs, it’s called an inverted yield curve, and it might be a bad sign for the economy. Banks are willing to offer higher rates on short-term certificates while waiting to see what happens to the economy in the future.

Should You Open a 10-Year CD Today?

A 10-year CD might be a good choice for your long-term savings goals. As a saver, you’ll know exactly how much you stand to earn in interest over the CD’s term. As long as you open a CD at an FDIC-insured bank or NCUA-insured credit union, your funds are safe for up to $250,000 per account holder if the financial institution fails.

However, when you commit to a 10-year CD, you can’t easily access your funds for an entire decade. That’s a long time to leave your funds untouched. The interest rate market fluctuates over time. In the course of 10 years, it’s possible that the interest rate you lock in for the long term is no longer attractive.

You could choose a high-yield savings account or money market account for more liquidity. 

Many savers opt to open both CDs and a more flexible account. If you choose to open a CD of any term, take time to shop around for one that offers the best yield and low fees.

Sarah Sharkey, John Csiszar and Dawn Allcot contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 11, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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