When you open a CD, your rate is locked in for the entire term.
That means your returns stay the same, regardless of what happens in the economy.
Your money is also protected byfederal deposit insurancein the event of a bank failure.
Today’s best CDs offer up to 4.50% APY – more than three times thenational averagefor some terms.
key in your information below to get CNET’s partners' best rate for your area.
Check outtop savings ratesnow.
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 April 2, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
