What are today’s CD interest rates?
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Saving money can be a challenge in the economy Continuous inflation. After all, if your money doesn’t get a return that is at least equal to inflation, it loses its purchasing power. but, Certificate of Deposit (CD) Can help. That’s because today Leading accounts have higher returns than current inflation rates.
However, the strong returns at present are not the only reason to invest in these savings vehicles. You can lock in today’s high prices For CD terms. Additionally, they are safe investments, usually with FDIC or NCUA insurance, with a balance of up to $250,000.
Start your journey by comparison Highest CD rate and earn more today.
What is the CD interest rate today?
It depends on you CD typeterms and other details you are eligible for different CD prices today. As of March 21, 2025, the following CD rates are the current national average for specific terms. Insurance companies.
- 1 year CD production: 1.86% APY
- 3-year CD yield: 1.54%APY
- 5 years CD production: 1.54%APY
These averages look very different from the available actual interest rates Today’s top CDalthough. Here are some of the best CD prices for this semester:
6 months CD rate
- Savings Bread – 4.50%APY
- Bask Bank – 4.45% APY
- First Credit Union in the United States – 4.35% APY
1 year CD rate
- Bask Bank – 4.40%APY
- First Credit Union in the United States – 4.35% APY
- Citizen Visits – 4.35% APY
3-year CD rate
- First Credit Union in the United States – 4.15% APY
- Fedirst Federal Credit Union – 4.15% APY
- Popular Direct – 4.10%APY
5-year CD rate
- Fedirst Federal Credit Union – 4.25% APY
- The first credit union in the United States – 4.20% APY
- Synchronous Banking – 4.15% APY
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How to get a good CD rate
Now use these strategies to lock in the best CD rate.
Watch online banking
There is a big difference between the national average savings rate and the highest available interest rate. Part of this is that different types of banks usually have very different prices.
Online Banking Moreover, the online sectors of larger banks have fewer overheads and can maintain daily operations because there are no physical bank branches. Often, interest rates at these banks have been consistent with changes in the Federal Reserve over the past few years. Today, you are most likely to find Competitive CD From online banking.
In comparison Big Bank Branches around the country – where you can keep checking accounts for convenient and easy access to branches and ATMs – usually have lower CDs, and Savings rate. Many of these banks’ CDs are below average and may even remain close to zero.
Consider short-term CD
CD terms range from about one to three months to ten years. But often Short term CD It’s the best way to get the highest speed today.
But the entire economic environment has made it a reality Short term CD Interest rates (about six months to one year) are longer than they are now. Bankrate’s data actually suggests that one-year CD yield has exceeded five-year yields since October 2022.
This phenomenon is called Inverted yield curve. “This means that short-term CDs and treasury are at the highest prices and continue further over time, actually lower,” said Donald F. Dempsey, founder of Dempsey Investment Management.
To take advantage of these high interest rates, while also saving long-term, “a practical approach might be a ladder ladder.” “Buy about a year, about two years, about three years, etc.”
See all the best short-term CD rates you can qualify here.
Bottom line
Currently, CD rate and saving rate are generally offered Higher than the rate in several years. You can take advantage of the opportunity to lock in high speeds with flexible terms to help you reach your savings goals faster. Just make sure you compare different bank selection options and the term length that suits you to get started The best CD prices available today.
