Top U.S. ZIP Codes Offering the Highest Certificate of Deposit Rates
Discover the U.S. ZIP codes with the highest CD rates, featuring insights into various CD types, current national and state-specific APYs, and tips for maximizing savings. Ideal for investors seeking secure, high-yield options, especially seniors, with guidance on current rate fluctuations and best locations to invest.

Certificates of Deposit (CDs) are secure savings tools provided by banks, credit unions, and financial institutions. These fixed-interest accounts require locking in your funds for a predetermined period to earn guaranteed returns, making them especially suitable for seniors seeking stable income. Different types of CDs are available, including standard, high-yield, jumbo, no-penalty, IRA, and bump-up or step-up options, each with specific features and terms.
Currently, national average APYs vary: approximately 1.72% for one-year and 1.43% for five-year deposits. Rates differ by state and institution, with Texas, Florida, New York, California, and Ohio offering some of the highest. For example, Texas ZIP codes 77494 and 77084 can see 4.00% to 5.30% APY on one-year terms. Florida ZIP codes 32003 and 32009 offer around 5.20% to 5.40% for one year, while New York ZIP codes like 10001 and 10475 reach up to 4.75%. California ZIP codes from 90001 to 96161 often provide rates above 5.00%, making it a lucrative choice for savers.
Interest rates can vary significantly based on deposit length, bank, and individual terms. Many banks also offer premium rates for seniors over 60. Always check current rates directly with your preferred financial institution to maximize returns. Remember, rates are subject to change, and consulting a financial expert is advisable before making investment decisions.