CDs are low-risk, protected by federal deposit insurance and – unlike savings accounts – they offer fixed rates.
That means your returns will stay the same regardless of what happens with the economy.
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Today’sbest CDsboast annual percentage yields as high as 4.65%.
“If you’re waiting for higher CD rates before you invest, you might not get it.
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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 5, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
