One of the biggest factors influencing current CD rates is the federal-funds rate. As the Federal Reserve began cutting its ...

As of July 21, 2025, the national average for six-month CDs is 1.52%, according to the FDIC. However, there are six-month CDs ...

A whopping 17 certificates offer at least 4.50% APY right now, with terms stretching as long as 2027. Alternatively, you can lock in 4.28% to 4.40% for 3 to 5 years.

Don't deposit $20,000 into either account type before calculating the interest-earning potential each offers now.

To the delight of savers, CD interest rates have soared in the past couple of years, shooting past 5% or even 6% APY. But savers could see CD rates dip after the Federal Reserve cut interest rates ...

Here are some of the best CD interest rates for different maturities: GECU: 4.58% 3-month CD ($2,500 minimum deposit) ableBanking: 4.50% 6-month CD ($5,000 minimum deposit) ...

Find out the CD rates you could lock in by opening an account now.

The best interest rates on CDs—certificates of deposit—pay up to 9.57% today, based on certificate term lengths. Here’s an overview of how CD rates are changing, followed by a guide to the ...

Certificates of deposit (CDs) can be a great choice if you’re looking for a low-risk investment to generate interest on cash you don’t need to use immediately. CD rates have mostly held tight ...

Inflation Rates Inflation rates are another key factor in CD interest rates. When inflation is high, banks might raise CD rates to offer a real return after accounting for rising prices. However ...

CDs generally offer higher interest rates than a traditional savings accounts, ... Compare Average CD Rates for the Week of December 2, 2024. By . John Egan . John Egan.

The current national high for a 12-month CD is 5.37%, which would earn roughly $1,340 in interest with a $25,000 deposit. Two-year CD rates ...