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But these rates won’t last forever. Most cds with maturity lengths of 18 months or longer pay interest semiannually, quarterly, or monthly. The nation's best cd rates are 6.00% for 10 months, 5.51% for 3 or 6 months, and 5.50% on varying terms between 3 and 9 months

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I have been checking cd rates on banks and credit unions and i have noticed that short term rates (six months) have higher rates than longer term cd rates (12 months or more). For anyone following along, i also want to point out that cds with maturity lengths of less than one year typically pay interest at maturity