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Putting $10,000 into a 6-month CD will earn you about $225 at today’s top rates. Some banks are still paying just over 4.50% APY for short-term CDs.
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Sure, it’s not life-changing money. But it’s way better than letting your cash sit idle.
Another option for short-term cash storage is a high-yield savings account (HYSA). Although the interest rate may change at any time, today’s APYs are very similar to what CDs offer.
Some of the top CD rates today are around 4.50% APY — a far cry from the national average of just 1.58% APY for 6-month terms.
Here’s what $10,000 can earn with a 6-month CD, comparing the national average and a top CD rate:
| CD APY | Interest Earned (6 Months) | Final Balance |
|---|---|---|
| 1.58% | $79 | $10,079 |
| 4.50% | $225 | $10,225 |
The difference between 1.58% and 4.50% APY might not seem huge. But that’s $146 more for doing nothing extra except shopping around. Compare today’s best CD rates here so you can earn maximum interest.
If you’re looking for short-term stability and guaranteed returns, a 6-month CD is a great option. You can lock away your money for the rest of 2025 and know exactly how much you’re going to make.
Here are a couple scenarios when a 6-month CD makes sense:
But if flexibility is more important, you’ll want to keep your cash in a more liquid option. That’s where a high-yield savings account or no-penalty CD could be a better fit.
If you like the idea of earning maximum interest on your cash, but don’t love the idea of locking it up, a high-yield savings account might be the better play.
The top HYSAs currently offer APYs close to 4.00% right now. And unlike CDs, you can withdraw your money anytime without penalties or fees.
This means you’d earn about $200 in interest on a $10,000 deposit, assuming rates held steady for six months. That’s slightly less interest than a 6-month CD, but in return, you gain flexibility.
Not sure where to start in your HYSA search? Check out today’s best high-yield savings accounts, offering APYs up to 4.40%
Whether you get a 6-month CD or open a high-yield savings account, either one beats earning pennies in a low-rate account.
Make the switch to keep your cash safe, while earning the most interest you can while rates are still this high.
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