Maximize your return with APYS up to 4.65%. Today’s CD prices, February 25, 2025

It seems so uncertain about today’s economy, but there is one thing you can count on: if you put your money on a deposit certificate, your revenue will remain the same, regardless of what happens to interest rates.

Your annual percentage of yield is locked when you open the CD. So if you open one of today’s The best CDsYou can earn up to 4.65% APY for the entire CD period. As the Federal Reserve was expected to reduce the rates later this year, it could make it a big difference in your bottom row.

Read to see some of the highest CD tariffs now and how much you can win by depositing different amounts.

Experts recommend comparing prices before opening a CD account to get the best possible APY. Enter your information below to get the best price of CNET partners for your area.

How can you benefit from opening a CD now

CD can be a great place to conceal your money at any time, but in periods of inflation like today, they can be particularly lucrative. As the Federal Reserve raises interest rates to combat inflation, banks tend to follow the example by raising APYS of consumer products such as CDS and Savings accountsS

If you open the CD as the speeds remain elevated, you can continue to enjoy the same high return, even when the speeds start to fall because Apy is locked when you open the CD.

But don’t wait too long to take advantage of today’s Apys. While Fed chose pause At her meeting in January, experts expect her to reduce rates later this year, which means that the clock is ticking.

“With the passage of (the Fed) to a more preferable position, the savings can continue to take advantage of relatively strong CD percentages, at least part of this year,” said Chad Olivier, a certified financial planning and executive director of The Olivier GroupS

💰 You can earn up to 5% APY on the best high-yield savings accounts. See The highest savings tariffs Now.

Think about these things when you choose a CD

Competitive APY is important, but this is not the only thing you need to think. To find the right CD for you, weigh these things too:

• When you will need your money: Early penalties for withdrawal CDS can be eaten in your interest profit if you need your money before the deadline is over, so choose a time line that makes sense. As an alternative you can choose a CD-Panalty CDAlthough APY may not be as high as you would get with a traditional CD of the same term.
• Minimum Deposit Requirement: Some CDs require a minimum deposit to open an account, usually from $ 500 to $ 1,000. Knowing how much money you need to put aside can help you narrow your capabilities.
• Taxi: Maintenance and other fees can be reduced in your savings. Very much Online banks Do not charge a fee because they have more overhead costs than banks with physical branches. Read the fine print for each account you evaluate.
• Safety and security: Make sure the bank or Credit union You are considering being a fdic or ncua member so your money is protected If the bank failsS
• Customer ratings and reviews: Visit sites like Trustpilot to see what customers say about the bank. You want a bank that is responsive, professional and easy to work with.

Methodology

CNET is reviewing CD tariffs based on the latest APY information from the issuer’s websites. We have evaluated the CD percentages of more than 50 banks, credit unions and financial companies. We evaluate CDS based on APY, products, accessibility and customer service.

Current banks included in the weekly CD CNNA CDs include Allian Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bread Saves, CFG Bank, CIT, FulBRI Direct, Quontic, Rising Bank, Synchron, Everbank, Popular Bank, First Internet Bank of Indiana, America First Federal Credit Union, Federal Credit Union across the country, Discover, Bethpage, BMo Alto, Limelight Bank, First National Bank of America and Connex Credit Union.

*APYS of February 24, 2025 based on the banks we are tracking on CNET. The profits are based on APY and suggest that the interest is complicated annually.

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