Best CD Rates – Week 21-25 April 2025

Economic headlines are enough to create dizziness for everyone. Customs It has been enabled, tweaked and paused. Stock market It shaked violently. As a money editor who keeps an eye on the news, I’ve seen it all happen in real time. And as someone who lives in this economy, I was looking for ways to protect my money from chaos.

One proven method is recommended by experts. Unlike the stock market, CDS promises a guaranteed return as the rate is locked when opening an account. Your returns will never go down, your money is safe Federal Deposits insurance.

Until recently, I used extra cash to prioritize my build Emergency Fund. This is money you can access at any time if you have unexpected costs. But now I have a comfortable amount within myself High-yield savings accountI can look elsewhere to put that cash. And the stability of the CD is now music to my ears.

If you are craving some relief from the uncertainty of Econcomic, these top CDs are worth considering.

Best CD Rates Today

semester	The best apy*	bank	Estimated revenue from a $1,000 deposit	Estimated revenue on a $5,000 deposit	Estimated revenue from a $10,000 deposit
6 months	4.50%	Federal Credit Unions across the Community	$22.25	$111.26	$222.52
1 year	4.40%	Basque Bank; Federal Credit Unions across the Community	$44.00	$220.00	$440.00
3 years	4.15%	America First Credit Union	$129.74	$648.69	$1,297.38
5 years	4.20%	America First Credit Union	$228.40	$1,141.98	$2,283.97

Experts recommend comparing prices before opening a CD account to get the best APY possible. Enter the following information to get the best CNET partner rates in your area.

Main reasons to open a CD today

CD offers many benefits including:

• Low risk: The CD held by an FDIC Insurance Banks or NCUA Insurance Credit Unions are protected for up to $250,000 per depositor, institution, and account category. That means your money is safe if the bank fails. Other investments, like stocks, can lead to higher returns in the long term, but they are also volatile so you can lose money at any time.
• Guaranteed Returns: APY is locked when opening a CD, unlike a savings account where interest rates may vary at any time. The fixed rate on CDs makes it easy to calculate the amount of interest you earn over time, protecting your funds from drops in rates after opening an account.
• Competitive fees: Traditional savings accounts are minimal APYSometimes it’s as low as 0.01%. Today’s top yield CD has over 4.50% APY, which is Differences in your interest income And help your money to keep up with inflation.
• Access barriers: However, many CDs charge Early withdrawal penalty If you take out money before the term ends. This will help you resist the urge to immerse yourself in your funds before you need them.

Are you not ready to lock your money? Consider a high-yield savings account

There are many perks on CDs, but they don’t necessarily suit your needs.

“Currently, both CDs and high-yield savings accounts are good options, but you need to remember that CDs have a fixed period, but HYSA offers the flexibility to access your money,” he said. New Horizon Retirement Solutions. “The trade-off is that CDS offers a higher interest rate to HYSA, where it offers higher interest rates, so that your money gets locked.”

To determine whether a CD is the right choice for your money, ask yourself the following question:

• When do you need funds? If you take money from the CD before it matures, you will be paid a penalty. In contrast, you can always withdraw cash from your savings account for free (as long as you’re concerned about monthly withdrawal restrictions).
• How much do I need to deposit? Some CDs require a minimum deposit to open an account. Usually between $500 and $1,000. If you can’t find an attractive APY account with the amount you want to deposit, try looking for a high-yie savings account with a low or minimal deposit.
• Want to add more money over time? Most CDs (but not all) allow only one-time deposits. If you want to add money to your savings regularly over time, consider a high-yield savings account.
• Do you need some discipline? If you want to take advantage of your savings before you need it, you will be seduced to take advantage of your savings before you need it, so the CD will impose an early withdrawal penalty that could help you pause.

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Methodology

CNET reviews CD rates based on the latest APY information from the publisher website. We evaluated CD rates for over 50 banks, credit unions and financial companies. We evaluate CDs based on APY, product offering, accessibility and customer service.

The current banks included in CNET’s weekly CD averages include Alliant Credit Union, Ally Bank, America First Federal Credit Union, American Express National Bank, Barclays, Bask Bank, BMO Alto, Bread Savings, Capital One, CFG Bank, CIT, CommunityWide Federal Credit Union, Discover, EverBank, First Internet Bank of Indiana, First National Bank of America, Forbright, LendingClub, Limelight Bank, Marcus by Goldman Sachs, MYSB directly, nexbank, Quontic, Rising Bank, Synchrony.

*As of April 21, 2025, it is based on banks tracked by CNET. Assume revenue is based on APY and that interest will be worse every year.