If you’re shopping for the best CD rates, you’ll find that short term (translation: less than 1 year maturation) are hard to come by. The best we’ve gotten is Easthampton Savings Bank’s 9-month CD which earns 1.15% APY. While this is not exactly one of the highest CD rates that you can find today, it certainly tops the bill in its maturation bracket.

The minimum deposit, since both are jumbo CDs, is a bit steep at $100,000. Nevertheless, this is among the highest CD rates in the market today. Of course, other people might argue that they can get a higher yield from another bank which asks for less minimum deposit. This deal is good for those who are looking to invest as much money as they can in a CD.

If you would like to invest a smaller amount of money for earnings close to these top CD rates, Dallas Telco FCU is also offering regular CDs. Their rates are also attractive. The 5-year CD earns 2.50% APY while the 4-year CD earns 2.25% APY. Compared to other credit unions and banks, the 5-year deal is more favorable than their 4-year CD.

Of course, another downside is that this is a credit union, and as most credit unions go, the offer is just available locally. If you work, worship, reside, or study in Dallas County, Texas, though, you’re eligible for a membership. To see their application details, just visit the FCU’s WhoCanJoin page. Double check the rates in their website to be sure, too. These top CD rates tend to change without warning.

The credit union’s financial health isn’t that impressive, though. It only scored 3 stars on BauerFinancial.com’s report and 2 of 5 stars on Bankrate.com. Having said that, the bank is NCUA insured so there’s no real worry. You can verify this information through NCUA Charter # 2073.