The best prices per CD – week on May 5 – May 9, 2025
The best CDs offer up to 4.50% APY – more than three times the average for the country for some conditions.
If you have stressed the economic titles, a deposit certificate can provide such a necessary peace of mind.
“CD offers yield and fixed income, which can be a welcome source of stability in such a variable political and economic environment,” said Noah Ladies, CFA, Director of Marina’s wealth advisersS “If you are looking to earn a stable income, sleep well at night and avoid stock market dumbbells, then CDS can be a great option.”
But if you want to maximize your return, you may want to act now. Today The best CDs Still earn an annual percentage of yield (APY) to 4.50%, but the rates slide, despite the federal pauses of the federal reserve. With a recession As Apys is likely to continue to fall, even if the Pause Fed is made again this week as expected. So the earlier you lock yourself in Apy, the greater your profit can be.
The best prices per CD this week
| Term | Highest Apy* | Bank | Estimated profit on a $ 1,000 deposit | Estimated profit on a $ 5,000 deposit | Estimated profit on $ 10,000 deposit |
|---|---|---|---|---|---|
| 6 months | 4.50% | Federal Credit Union across the country | $ 22.25 | $ 111,26 | 222,52 dollars |
| 1 year | 4.40% | Federal Credit Union across the country | $ 44.00 | $ 220,00 | $ 440,00 |
| 3 years | 4.15% | America First Credit Union | $ 129.74 | $ 648.69 | $ 1,297,38 |
| 5 years | 4.20% | America First Credit Union | $ 228.40 | $ 1141,98 | $ 2,283.97 |
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.
Main reasons for opening a CD today
CD offers many advantages, including:
😌 Low risk
CD held by Fdic The banking or NCUA-insured credit union is protected for up to $ 250,000 per deputy, institution and category of accounts. This means that if your bank fails, your money is safe. Other investments, such as shares, can potentially give a higher return in the long run, but they are also variable, which means that you can lose money at any time.
📈 Guaranteed Return
Your APY is locked when you open the CD, as opposed to savings accounts where interest rates can vary at any time. The fixed CD rate facilitates the calculation of how much interest you will earn over time and protects your funds from rates after you open your account.
💰 Competitive prices
Traditional savings accounts offer minimal ApysSometimes only 0.01%. Today’s highest income CDs have an APY of 4.50% or more that can make a Difference in your interest income And help your money keep up with inflation.
✋ Access barrier
However, many CDs load Early punishment for withdrawal If you take out your money before the term is over. This can help you resist the desire to immerse yourself in your means before you need them.
A high-yield savings account may be more appropriate if …
CDS have many bonuses, but they are not always suitable for your needs. A high-yield savings account can be a better choice if:
🏧 You want ready access to your funds
You will pay a penalty if you take money out of a CD before ripening. You can withdraw money from a savings account at any time, for free (as long as you have any monthly withdrawal restrictions). This makes Hysas greatly suitable for emergency fundS
🫰 You don’t have a lot of money to deposit
Some CDs require a minimum deposit to open an account, usually from $ 500 to $ 1,000. If you can’t find an attractive APY account for the amount you want to deposit, try to check out a high -profile savings account with low or without minimal deposit.
💵 You want to add funds in time
Most CDs only allow a single deposit. If you want to continue Adding money to your savings Once you open the account, consider a high -yield savings account.
💰 You can earn up to 5% APY for the best savings accounts of today’s savings. See The highest savings tariffs Now.
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.
The Current Banks Included in CNET’s Weekly CD Aveges Include Alliant Credit Union, Ally Bank, America First Federal Credit Union, American Express National Bank, Barclay, Bank Bank One, CFG Bank, Cit, Communitywide Federal Credit Union, Discover, Everbank, First Internet Bank of Indiana, First National Bank of America, Forbright, MARD, LIMELIGHT Bank Direct, Nexbank, Quontic, Rising Bank and Synchrony.
*APYS dated May 2, 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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