Key takeaways
A certificate of deposit can be a smart investment in any economy.
But in today’s shaky economy, the uncertainty CDs provide can be especially valuable.
“Interest rates are jumping around with no end in sight.
Stocks are sensitive to any hint of tariffs and political posturing, which could last for years.
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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 28, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
