Bayer Heritage Federal Credit Union is offering some of the best rates on CDs.
On a minimum deposit of $500, members can purchase 48 to 59 month CDs at 3.17% APY. With the same minimum deposit amount, the credit union is offering 3.43% APY on 60 month CDs.
These certificates of deposit can be purchased only by members of the credit union. The qualification criteria for membership are provided on its website.