Key Takeaways
The days of sky-high APYs may be over, but CD rates are still attractive.
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Where are CD rates headed next?
APYs on CDs andsavings accountshave been falling for months after a series ofFederal Reserve rate cuts.
That means there’s still time to score a great APY.
“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. 22, 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. 13, 2025, to Jan. 20, 2025.
