Best CD rates today, April 21, 2025 (Lock in up to 4.40% APY)

The Federal Reserve reduced the targeted interest rate three times in 2024. This has had a ripples on deposit account rates, which now means that your last chance to lock high prices today with CD Certificate (CD). Below is a look at the prices of CDs today and where you can find the best offers.

As of April 21, 2025, CD rates are still competitive, especially for shorter terms. Today, the highest CD 4.40 % APY rate, presented by Marcus by Goldman Sachs on the 14 -month CD. There are $ 500 to deposit the opening required.

Below is a look at some of the best compressed tablets available today from our checked partners.

See our choices for the best CD accounts available today >>

If you are considering a CD, these rates are some of the highest rates, especially when compared to national rates, which are much lower. It should also be noted that banks and credit federations online generally offer more competitive prices compared to traditional brick and mortar banks.

Read more: What is a good disk rate?

Below is a look at the average compressed disk rate based on the term from March 2025 (the latest data available from FDIC):

The average national interest rate for CDs is 1.82 % for one year. However, in general, the average compressed tablet rates today represent some of the above that were seen nearly two decades ago, due to the Federal Reserve efforts to combat inflation by maintaining high interest rates.

If you are considering opening a pressed disk, it is important to choose one with a high APY and the length of the term that matches your financial goals. Here are some tips to find the best compressed tablets and accounts that are appropriate for your needs:

• Shop about: It is a good idea to evaluate the compressed tablets of a variety of financial institutions and compare your options before settling at the expense. You can easily compare compressed tablets online.

• Looking at banks online: Online banks tend to decrease the costs of public expenditures, allowing them to provide higher interest rates on CDs. In fact, online banks often have the most competitive prices.

• Check the minimum deposit requirements: High CD rates may come with the minimum deposit requirements, so make sure that the amount planned for deposits corresponds to the requirements for the best price.

• Review the terms and conditions of the account: In addition to the compressed disc, see the conditions for early withdrawal penalties and automatic renewal policies. Some CDs provide better conditions for flexibility, such as CDs that are not suitable for parts, which allow you to withdraw your money without fees before the date of entitlement.