Key takeaways
Recession fears are rising.
Withprices still elevatedand consumer confidence down, many Americans are wondering how to weather the looming financial storm.
Onething experts recommendis bulking up your cash reserves.
Today’sbest CDsoffer up to 4.50% 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.
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 1, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
