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The best certificate of deposit (CD) rates today hover around 4.50% to 4.65%. Short-term CDs, especially those with terms of 12 months or less, offer the most appealing rates in the current CD environment.
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As the Federal Reserve does not meet again until May, we can expect CD rates to stay relatively stable in the near term. This stability presents a great opportunity to take advantage of a CD now, while rates remain attractive.
Here are some of the best CD rates available today.
| Bank | APY | Term | Minimum Deposit |
|---|---|---|---|
| OMB | 4.65% | 7 Months | $1,000 |
| DR Bank | 4.65% | 6 Months | $500 |
| MutualOne Bank | 4.59% | 6 Months | $500 |
| Brilliant Bank | 4.55% | 9 Months | $1,000 |
| Marcus by Goldman Sachs | 4.50% | 14 Months | $500 |
| LendingClub | 4.50% | 10 Months | $2,500 |
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 CD rates here.
Want to find the best CD for your timeline and goals? Explore top rates by term:
Even though CD rates have decreased since mid-2024, they remain competitive. While the Federal Reserve has decided to keep the federal funds rate unchanged for now, many experts anticipate that rate cuts are likely to occur as we move further into 2025.
Now could be an excellent time to lock in a CD if:
The best CDs are backed by FDIC insurance, which protects deposits of up to $250,000 per person, per bank, in case of a bank failure. Although CDs present minimal risk, other investment avenues like the stock market might provide opportunities for higher returns.
When you’re ready, you can open a CD in just a few simple steps:
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:
Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.
If you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.
Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, 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.
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.
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If you’re like most people, you probably don’t think twice about how much money is sitting in your checking account. It’s safe, easy to access, and gives you peace of mind, right? But here’s something your bank won’t tell you: Keeping too much money in your checking account is costing you.
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I used to make the same mistake. I liked seeing a big cushion in my checking account — it made me feel financially secure. But then I realized I was missing out on hundreds of dollars in extra interest each year.
If you’re sitting on more cash than you actually need for bills and everyday spending, it’s time to make a change.
Here’s a simple rule that helped me: Keep one to two months’ worth of expenses in your checking account. Anything beyond that you need to move somewhere it can actually grow.
Here’s why:
High-yield savings accounts (HYSAs) pay far more. Many offer 4.00% APY or higher, meaning your money could be earning 50 to 60 times more in an HYSA than a checking account.
Start earning more money on your extra cash today. Check out our list of the best high-yield savings accounts.
I get it — moving money around can feel like a hassle. But trust me, it’s worth it. Here’s where I put my extra funds:
This was a game-changer for me. With an HYSA, my savings started earning 50 to 60 times more than what my checking account paid. And the best part is that I could still access my money anytime I needed.
Once I had my emergency fund in place, I started putting extra cash into stocks and ETFs. Historically, the S&P 500 has returned an average of about 10% annually. With some patience, the stock market is still the best place to save for things like retirement.
If you have credit card debt, extra cash in checking is wasted. I used some of my excess to knock out high-interest debt, and it saved me way more than I’d ever earn in a savings account.
I wish I had made the switch sooner. If you have extra money just sitting in checking, it’s time to move it to a high-yield savings account where it can actually grow. Many online banks make the process easy with high APYs, no fees, and quick transfers.
Compare the best high-yield savings accounts today and find one that fits your needs. Trust me, once you start seeing those higher interest earnings roll in, you’ll wonder why you didn’t do this sooner.
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.The Motley Fool has a disclosure policy.
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