That said, timing plays a big role in how high your rate will be.
Over the last few weeks, we’ve seen some banks quietly dropping their APYs across CD terms.
So, if you want to maximize your earning potential, now’s the time to open a CD.
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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 April 9, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
