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But you should be careful to choose a term that fits when you’ll need to access your money.

you might earn up to 5% APY on the best high-yield savings accounts.

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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 Feb. 14, 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 Feb. 3, 2025, to Feb. 10, 2025.

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