But in today’s falling-rate environment, they can be especially valuable.
Top CDscurrently offer annual percentage yields, or APYs, up to 4.65%.
Open one of these CDs now, and your APY will be locked in for the entire CD term.
With APYs on the way down, this can help you maximize your earnings.
put in your information below to get CNET’s partners' best rate for your area.
That means there’s still time to score a great APY.
“We still think there’s going to be an easing environment for the Fed.
We evaluated CD rates from more than 50 banks, credit unions and financial companies.
We evaluate CDs based on APYs, product offerings, accessibility and customer service.
*APYs as of Jan. 23, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
**Weekly percentage increase/decrease from Jan. 13, 2025, to Jan. 20, 2025.
