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Top cds today offer up to 4.27% apy, making now a smart time to lock in a solid return before rates continue to trend lower. In today's financial climate, where the stock market has been volatile and cds are paying much better apys than they have historically, opening a cd might be worth it for you. Stay informed on today's best cd rates trending above 4 percent apy

Bankrate's experts compare cd offers from thousands of financial institutions, empowering you to make the right decisions for. If you choose to open an account today, you could lock in high rates for years, depending on the term that best meets your financial goals. 14 best cd rates of december 2025

Right now, the best cd rate is 4.50% apy

Compare the best cd rates today, drawn from our research on about 280 banks and credit unions that offer cds nationwide. Check out the best cd rates today at top online banks and credit unions The highest certificate of deposit rates are around 4%. The best cd rates yield up to 4.18% annual percentage yield

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