Key takeaways
Want to maximize your earnings?
Now’s the time to take advantage of still-high certificate of deposit rates.
Today’stop CDsoffer APYs as high as 4.65%.
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And banks appear to be hedging their bets by holding CD rates relatively steady, too.
“We still think there’s going to be an easing environment for the Fed.
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. 24, 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 Jan. 6, 2025, to Jan. 13, 2025.
