Maximize Your Returns With APYs Up to 4.65%. Today’s CD Rates, Feb. 25, 2025
- Today’s top CDs offer up to 4.65% APY.
- When the CD is turned on, your APY is locked.
- With the Fed expected to lower interest rates later this year, opening a CD can now protect your income potential.
There seems to be a lot of uncertainty in today’s economy, but one thing you can rely on: If you put your money into a certificate of deposit, your income will remain the same regardless of interest rates.
When you turn on the CD, your annual percentage is locked. So if you open one of today The best CDyou can get up to 4.65% APY throughout the CD term. The Fed is expected to lower interest rates later this year, which could have a big impact on your bottom line.
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Keep reading to see some of the highest CD rates and how much CDs you can earn by storing different amounts.
The best CD prices today
| semester | The highest APY* | bank | Estimated earnings from a deposit of $1,000 | Estimated earnings from a $5,000 deposit | Estimated earnings from a $10,000 deposit |
|---|---|---|---|---|---|
| 6 months | 4.65% | Community-wide federal credit union | $22.99 | $114.93 | $229.85 |
| 1 year | 4.45% | Community-wide federal credit union | $44.50 | $222.50 | $445.00 |
| 3 years | 4.15% | The first credit union in the United States | $129.74 | $648.69 | $12,97.38 |
| 5 years | 4.25% | The first credit union in the United States | $231.35 | $1,156.73 | $2,313.47 |
Experts recommend comparing rates to get the best APY before opening a CD account. Enter your information below to get the best interest rates for CNET partners.
How to open the CD now
CDs may be a great place to keep cash at any time, but they can be particularly profitable in inflation times like today. Banks tend to follow suit and raise interest rates on consumer products such as CD and CD as the Fed raises interest rates against inflation. Savings Account.
If you turn on the CD when the price is rising, you can continue to enjoy the same high returns even if your APY is locked when the CD is turned on.
But don’t wait too long to take advantage of today’s APY. Fed’s Choice Pause rate At the January meeting, experts expected it to lower interest rates later this year, meaning the clock is ticking.
“As (the Fed) shifts to a more cautious stance, savers can continue to benefit from relatively high CD rates, at least for part of the year.” Olivier Group.
You can get up to 5% APY on the best high yield savings account. Check Maximum savings rate Now.
Consider these things when choosing a CD
Competitive APY is important, but that’s not the only thing you should consider. To find the right CD, weigh these:
- When you need money: Early withdrawal penalties If you need your money before the end of the semester, you can eat on the CD, so choose a meaningful schedule. Or, you can choose one Protein-free CDalthough APY may not be as high as the traditional CD you use the same term.
- Minimum deposit requirements: Some CDs require a minimum deposit to open an account, usually from $500 to $1,000. Knowing how much you have to spend can help you narrow down your choices.
- cost: Maintenance and other expenses can reduce your savings. many Online Banking Don’t charge fees because they cost less than banks that have physical branches. Read the fine print of any account you want to evaluate.
- Safety and security: Ensure bank or Credit Union You are considering FDIC or NCUA members, so your funds are protected If the bank fails.
- Customer Ratings and Reviews: Visit a website like TrustPilot to see what customers say about their bank. You want a responsive, professional and easy to use bank.
Methodology
CNET reviews CD rates based on the latest APY information from the issuer’s website. We evaluate CD rates for over 50 banks, credit unions and financial companies. We evaluate CDs based on APY, product products, accessibility and customer service.
Current banks included in CNET weekly CD averages include Alliant Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bask Bank, Bread Savings, Capital One, CFG Bank, CIT, Fulbright, Fulbright, Marcus, Goldman Sachs, Mysb Direct, Quontic, Quontic, Quontic, Quontic, Quontic, Quontic, Quontic, Quontic, Quontic, For Rise Bank, Synchronous, Everbank, Popular Bank, Indiana First Bank, United States First Federal Credit Union, Community-wide Intra-Federal Credit Union, Discover, Discover, Discover, Bethpage, BMO Alto, Limelight Bank, First National Bank and Connexus Credit Union.
*As of February 24, 2025, according to banks we tracked on CNET. The gain is based on APY and assumes that interest is more complex every year.
