At the 20-year term, the two safe choices are a 20-year Treasury and a 20-year CD. Tbillery shows the live yield for each and flags which one wins right now. Treasury interest is state-tax-free; CD interest is fully taxable, so the after-tax winner can differ from the headline.
Compare other terms: 3-Month · 6-Month · 1-Year · 2-Year · 3-Year · 5-Year.
Build a ladder that includes the 20-year rung.
Updated July 2026