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[[{“value”:”Image source: The Motley Fool/Upsplash
Looking for a smart way to save? The best CDs are offering rates between 4.50% and 4.65% right now. Short-term CDs, those maturing in a year or less, provide the best returns.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. The Fed’s rates are stable for now, but might dip later this year. So, locking in these great rates could be a wise move.Check out some of the top CD choices available now.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000United Fidelity Bank4.60%10 Months$1,000Brilliant Bank4.55%9 Months$1,000Marcus by Goldman Sachs4.50%14 Months$500LendingClub4.50%10 Months$500Data source: Issuing banks. Rates are accurate as of April 9, 2025.Why we chose these CDsCompetitive rates. A few CDs out there might offer more, but there’s usually a catch.Open easily. You can open these CDs with as little as $500.Online convenience. Open them from your sofa through the issuer’s site.Nationwide access. These banks welcome everyone from across the U.S. with open arms.While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. LendingClub offers a solid alternative, with CDs that are easy to open and come from a well-known digital bank. If you value a smooth online experience and flexible terms, it’s worth a look. Explore LendingClub rates here.The Best CD Rates From Our Partners TodayWant to find the best CD for your timeline and goals? Explore top rates by term:Best CD Rates — Our expert picks for the top accounts available todayBest 6-Month CD Rates — Short-term savings with fast accessBest 12-Month CD Rates — Solid returns with just a 1-year commitmentBest 5-Year CD Rates — Maximize earnings over the long haulShould you open a CD?CD rates are still quite high, even if they have dipped a bit since mid-2024. The Federal Reserve hasn’t changed rates in 2025 so far, but experts think cuts could come later this year. Now might be the perfect time to snag a CD if you’re after safe, solid returns.Looking to shield your savings from possible rate drops? Then CDs are a smart pick. If you’ve got cash you can set aside, a CD could work well. The top CDs come with FDIC protection, so up to $250,000 per person, per bank stays secure.There’s almost no risk with CDs, though stocks might offer higher gains if you’re looking for more.How to open a CDOpening a CD is quick and simple. Just follow these steps:Search for the highest APY that suits your term needs.Read the details and check if you can meet the minimum deposit.Apply online using the bank’s app, or call them. Approval is often swift.Connect your bank account to move your money.Remember, each CD allows only one deposit. Plan your amount wisely.When you’re ready, click here to explore the best CD rates and open a high-yield CD today.Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.Earn up to 4.10% APY without locking up your moneyFor a high APY with added flexibility, consider a high-yield savings account. These accounts let you:Deposit and withdraw money anytimeMove funds quickly to other accountsSimply stash cash, avoiding the work CDs require at maturityWhile savings rates can change, high-yield savings accounts currently offer APYs close to top CDs. They provide great returns without the long-term commitment, making either one a good choice now, depending on your savings goals.If you want to earn a competitive APY without committing your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool has a disclosure policy.”}]] [[{“value”:”
Image source: The Motley Fool/Upsplash
Looking for a smart way to save? The best CDs are offering rates between 4.50% and 4.65% right now. Short-term CDs, those maturing in a year or less, provide the best returns.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
The Fed’s rates are stable for now, but might dip later this year. So, locking in these great rates could be a wise move.
Check out some of the top CD choices available now.
Bank
APY
Term
Minimum Deposit
OMB
4.65%
7 Months
$1,000
United Fidelity Bank
4.60%
10 Months
$1,000
Brilliant Bank
4.55%
9 Months
$1,000
Marcus by Goldman Sachs
4.50%
14 Months
$500
LendingClub
4.50%
10 Months
$500
Data source: Issuing banks. Rates are accurate as of April 9, 2025.
Why we chose these CDs
Competitive rates. A few CDs out there might offer more, but there’s usually a catch.
Open easily. You can open these CDs with as little as $500.
Online convenience. Open them from your sofa through the issuer’s site.
Nationwide access. These banks welcome everyone from across the U.S. with open arms.
While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. LendingClub offers a solid alternative, with CDs that are easy to open and come from a well-known digital bank. If you value a smooth online experience and flexible terms, it’s worth a look. Explore LendingClub rates here.
The Best CD Rates From Our Partners Today
Want to find the best CD for your timeline and goals? Explore top rates by term:
Best CD Rates — Our expert picks for the top accounts available today
CD rates are still quite high, even if they have dipped a bit since mid-2024. The Federal Reserve hasn’t changed rates in 2025 so far, but experts think cuts could come later this year. Now might be the perfect time to snag a CD if you’re after safe, solid returns.
Looking to shield your savings from possible rate drops? Then CDs are a smart pick. If you’ve got cash you can set aside, a CD could work well. The top CDs come with FDIC protection, so up to $250,000 per person, per bank stays secure.
There’s almost no risk with CDs, though stocks might offer higher gains if you’re looking for more.
How to open a CD
Opening a CD is quick and simple. Just follow these steps:
Search for the highest APY that suits your term needs.
Read the details and check if you can meet the minimum deposit.
Apply online using the bank’s app, or call them. Approval is often swift.
Connect your bank account to move your money.
Remember, each CD allows only one deposit. Plan your amount wisely.
Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:
Pay out your initial deposit plus your earnings as cash
Reinvest your funds in a new CD with the same term (but potentially a different APY)
Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.
Earn up to 4.10% APY without locking up your money
For a high APY with added flexibility, consider a high-yield savings account. These accounts let you:
Deposit and withdraw money anytime
Move funds quickly to other accounts
Simply stash cash, avoiding the work CDs require at maturity
While savings rates can change, high-yield savings accounts currently offer APYs close to top CDs. They provide great returns without the long-term commitment, making either one a good choice now, depending on your savings goals.
Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool has a disclosure policy.
Tarra “Madam Money” Jackson is a financial educator, international speaker, author, and wealth empowerment strategist helping you heal, build, and grow your wealth.
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