Key takeaways
Certificate of deposit rates have largely held steady since the Federal Reservepaused interest ratesin January.
But some banks have been tweaking their CD rates and lately, this means cutting annual percentage yields.
“If you’re waiting for higher CD rates before you invest, you might not get it.
Today’sbest CDsoffer up to 4.65% APY – more than three times thenational averagefor some terms.
put in your information below to get CNET’s partners' best rate for your area.
CDs have plenty of perks, but they’re not always the best option.
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Methodology
CNET reviews CD rates based on the latest APY information from issuer websites.
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 March 6, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
