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The best CD rates today are around 4.50% to 4.65%. The CDs with the highest rates are short-term CDs, meaning they generally have terms of 12 months or less.
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The Federal Reserve’s recent decision to hold interest rates steady has, in effect, guaranteed that CD rates will stay competitive for a while longer. As a result, now is an excellent time to secure a CD while rates are still elevated.
Here are some of the best CD rates we’ve found 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 |
The selection of CDs above all meet the following criteria:
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:
Despite a decline since mid-2024, CD rates remain elevated. Although the Federal Reserve has currently opted to hold the federal funds rate steady, experts widely predict that rate reductions are probable later in 2025.
Now could be a great time to lock in a CD if:
The best CDs come with FDIC insurance, ensuring that deposits of up to $250,000 per individual, per institution, are secure. While investing in CDs carries almost no risk, alternative options such as the stock market may offer the potential for greater returns.
Once you’re ready to open a CD, the process is fairly simple:
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, look into a high-yield savings account.
High-yield savings accounts allow you to:
Savings account rates are variable, meaning you don’t get the guarantee that you do with a CD. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice.
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!
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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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Warren Buffett, famed investing genius and CEO of Berkshire Hathaway, has shared a lot of financial wisdom over the years, but one quote about saving money has stuck with me more than any other:
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“Do not save what is left after spending, but spend what is left after saving.”
It’s simple, yet it completely changed how I think about money. If you’ve ever struggled to save or felt like your paycheck disappears too quickly, this mindset shift could be exactly what you need.
I used to save whatever was “left over” after covering my bills, going out, and buying things I didn’t really need. But most months, there was little or nothing to save. I kept telling myself I’d save more next month, but “next month” always looked the same.
Buffett’s quote made me realize I was doing it all backward. The key to saving is paying yourself first — before bills, before fun, before anything else. It’s a simple habit that can completely transform your finances.
Buffett isn’t just about saving — he’s about making your money work for you. That’s why keeping savings in a high-yield savings account (HYSA) is a no-brainer. According to the FDIC, the average savings account rate is 0.41%, but HYSAs currently offer rates above 4.00% — that’s nearly 10 times the national average (or more).
Let me break down how big that difference can be:
That’s free money. And over time, those extra earnings really add up — the beauty of compounding is that your interest earns interest.
Not all savings accounts are created equal. To get the best bang for your buck, look for:
Want to start earning more on your savings? Check out the best high-yield savings accounts today and make sure your money is growing instead of sitting idle.
Warren Buffett’s advice is simple: Make saving your priority, not an afterthought. When you save first, automate the process, and use a high-yield savings account, you set yourself up for financial success without even thinking about it.
I wish I had taken this advice sooner, but the good news is, it’s never too late to start. Try it for just one month and see how much easier saving becomes — you might be surprised at how fast your money starts to grow.
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 positions in and recommends Berkshire Hathaway. The Motley Fool has a disclosure policy.
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