Best CD rates today, April 21, 2025 (Lock in up to 4.40% APY)

In 2024, the Federal Reserve reduced its target interest rate. This had a crooked effect on deposit account rates, which means that your last chance will start at today’s high pace Deposit Certificate: (CD): Here’s this look at today’s CD rates and where you can find the best offers.

As of April 21, 2025, CD rates are still competitive, particularly for shorter deadlines. Today the highest CD rate is 4.40% APY, it is recommended Marcus by Goldman Sachs in its 14-month CD. A $ 500 opening deposit is required.

Here is this look of our approved partners today in the best CD rates available today.

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If you are discussing the CD, these rates are highest available, especially compared to national average, which are significantly lower. It is worth noting that Online banks aeration of Credit unions: In general, offer more competitive rates compared to traditional brick and mortar banks.

Read more: What is the good CD level?

Here is as of March 20 2025, the middle-level glance (the latest data are available Fetical)

The average average average rate of CDs is 1.82% for 1 year. However, in general, today’s average CD indicators present the highest rates in about two decades, mainly due to the efforts of Federal Federal Reserves.

If you are thinking of Opens CDIt is important to choose a high APY and time length that meets your financial goals. Here are some tips to find the best CD and accounts that meet your needs.

• Shop around. It is a good idea to assess CD interest rates from different financial institutions and compare your options before consideration. You can easily compare CD prices online.

• Consider online banks. Online banks tend to have lower price costs, which allows them to offer higher interest rates in CDs. In fact, online banks often have a more competitive interest rate.

• Check the minimum deposit requirements. Higher CD rates can come up with minimal deposit requirements, so make sure your plan provides to be in line with the best indicator to get the requirements.

• Review Account Terms and Conditions: Beyond the interest rate on the CD, look at the conditions of early release penalties and automatic renewal policy. Some CDs offer better conditions for flexibility such as Non-penalty CDswhich allows you to take back your funds without a repayment period before the repayment date.