Key Takeaways Vanguard offers relatively high APYs of up to 4.50% on its CDs, which come with terms ranging from just one month all the way up to 10 years.1 Vanguard is a large asset management firm that offers brokered CDs to its customers. Brokered CDs are bought through an intermediary brokerage, like Vanguard. Banks sell them to brokerages, which make them available to customers. Vanguard has competitive offers, but it always pays to check the best CD rates before opening a new account.