Key takeaways
A smart investment portfolio balances risk and reward.
That’s why it’s essential to include safer, more predictable assets in your strategy.
A certificate of deposit offers peace of mind and guaranteed earnings.
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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 18, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
