CDs are low-risk deposit accounts that provide guaranteed returns, regardless of what’s happening in the economy.
You’ll also have the security of knowing your money is safe in anFDIC- or NCUA-insuredbank or credit union.
But don’t wait too long.
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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 27, 2025, based on the banks we track at CNET.
Earnings are based on APYs and assume interest is compounded annually.
