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Here’s how CD rates fell in the year after those emergency rate cuts of 2020 were made: From June 2020 to June 2021, the average one-year CD dropped to 0.17 percent APY from 0.41 percent APY.
Today’s highest CD rate of 4.50% is offered by Quontic Bank on its 3-month CD. There are a few other banks offering this rate as well, but they require much larger minimum deposits.
In Oct. 2023, average rates on the 3-month CD hit 5.46%, their highest in roughly 16 years. Rates have ticked slightly lower in 2025 thus far but still remain near recent highs. FAQ
There's still time to take advantage of today's best CD rates — with digital banks and online accounts offering yields that can outpace inflation by up to 2 percentage points.
Best CD rates today: Secure yields of up to 4.40% APY even as interest rates edge lower — Feb. 18, 2025
Today's best rates of returns are found at FDIC-insured digital banks and online accounts paying out a limited promotion of up to 5.25% APY on a 10-month CD at Langley Federal Credit Union and up ...
The national average for five-year online bank CD rates hit 1.23% in April 2022 compared to 0.65% in 2021. But before you rush to buy a CD, keep this in mind: Interest rates will likely be higher ...
Some of the best CD rates today include, but are not limited to, the 3-month CD from Shoreham Bank which offers the top rate of 5.50% APY and NexBank which offers the highest one-year CD rate at 5 ...
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