Key takeaways
The sooner you open a certificate of deposit, the more interest could earn.
Today’sbest CDsoffer annual percentage yields as high as 4.65%.
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When it cuts this rate, banks drop these APYs.
But the top APY – 4.65% – is still more than double thenational averagefor some terms.
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 Jan. 10, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
**Weekly percentage increase/decrease from Dec. 30, 2024, to Jan. 6, 2025.
