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The highest-yield online CDs, ranked by what you keep

The top 10 rates we could verify for each term, read from each bank's own rate page. Each list includes a Treasury of the same term, because CD interest is taxed by your state and Treasury interest isn't. In a high-tax state, that often decides the winner.

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    Every business day we re-check every rate. On quiet weeks you hear nothing; at most one short note a quarter to say all is well. Facts and math, not investment advice.