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Highest Brokered CD Rates As Of 05/29/2025

Kirkland
  |     |   377 posts since 2014

As of 9:30 am ET 05/29/2025, here are the highest rates, at either Charles Schwab brokerage and/or Vanguard brokerage for non-callable, new-issue brokered CDs with terms of 3-month, 6-month, 9-month, 1-year, 18-month, 2-year, 3-year, 4-year, and 5-year:

3-month: 4.40% (Mizrahi Tefahot Bank CA, State Bank of India NY)

6-month: 4.30% (BofA)

9-month: 4.35% (WF)

1-year: 4.30% (WF)

18-month: 4.25% (MSB, MSPB)

2-year: 4.15% (AMEX, MSB, MSPB, Toyota Financial Savings Bank NV)

3-year: 4.20% (AMEX, MSB, MSPB)

4-year: 4.25% (MSB, MSPB)

5-year: 4.25% (AMEX, MSB, MSPB)

Large issuers abbreviations:

AMEX=> American Express National Bank, UT; BofA => Bank of America NA, NC;

GSB => Goldman Sachs Bank USA, NY;

MSB => Morgan Stanley Bank, UT; MSPB => Morgan Stanley Private Bank, NY;

SCHW => Charles Schwab Bank, TX; UBS => UBS Bank USA, UT; WF=> Wells Fargo Bank, SD.

Notes: For those staying liquid, here are the previous ten, weekly 4-week T-bill auctions most recently yielding investment rates: 4.293%, 4.293%, 4.298%, 4.313%, 4.293%, 4.313%, 4.318%, 4.313%, 4.293%, 4.288%.

Current Money Market yields as of 05/28/25 at Vanguard are (VMFXX (Settlement fund) 4.20%, VUSXX (Treasury) 4.23%, VMRXX (Cash Reserves Admiral) 4.21%).

As of May 21, 2025, ICI reported to the Federal Reserve that $6.97 trillion of cash is parked in money market funds. This is an increase of $27.67 billion from the prior week.

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10


Ally6770
  |     |   4,310 posts since 2010
Having a good amount in a MM, that is guarenteed to earn a guaranteed rate for certain period of time and close to you is a prudent thing to have during these uncertain times.
Reply
5
RichardW
  |     |   821 posts since 2019
Encouraging to see American Express join Morgan Stanley Bank and Morgan Stanley Private Bank in the 4.25%, 5-year brokered CD arena.
Reply
5
Kirkland
  |     |   377 posts since 2014
And those non-callable, new-issue 5-year brokered CD's offered at Charles Schwab brokerage by Morgan Stanley Bank and Morgan Stanley Private Bank just increased from 4.25% to 4.30%!
Reply
7
Kirkland
  |     |   377 posts since 2014
And let us hope that Wells Fargo Bank (penalty box asset cap removed) will now compete again on 5-year brokered CD's with AMEX, MSB, and MSPB.
My last WF 5-year brokered CD purchase is now around a 3-year.
Looking to add more WF monthly coupons in the near future. :)
Reply
2
txFish1
  |     |   479 posts since 2023
Kirkland I like those Wells Fargo monthly coupons as well. I saw at Fidelity WF had some competitive 9 month and 1 year CD's that pay at maturity but have not seen anything longer than that so far.
Reply
2


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