One of the biggest factors influencing current CD rates is the federal-funds rate. As the Federal Reserve began cutting its ...

As of July 21, 2025, the national average for six-month CDs is 1.52%, according to the FDIC. However, there are six-month CDs ...

Savings account interest rates currently hover around 0.43%, while interest rates on CDs are around 4.5% to 5% or higher, depending on the lender and other factors.

A whopping 17 certificates offer at least 4.50% APY right now, with terms stretching as long as 2027. Alternatively, you can lock in 4.28% to 4.40% for 3 to 5 years.

While many banks offer CD accounts, they're not all equal So, take the time to shop around and compare interest rates from multiple financial institutions, including traditional banks, online ...

In times of less volatile interest rates, the longer the CD term, the higher the rate. During the Fed’s hawkish monetary policy, however, that changed: CDs with two- to five-year terms paid less ...

Fidelity's brokered CDs have competitive rates that fluctuate more than those of bank CDs. They’re best for investors, not average bank customers. See how they compare.

To the delight of savers, CD interest rates have soared in the past couple of years, shooting past 5% or even 6% APY. But savers could see CD rates dip after the Federal Reserve cut interest rates ...

The highest CD rate depends on factors such as current rates and the CD term. As of July 2025, some of the highest rates available are for six-month and 12-month CDs, with some yielding up to 4.60%.

3-month CDs are ideal for short-term saving. Check out our top picks to find the best 3 month CD rates available for you.

Fidelity's brokered CDs have competitive rates that fluctuate more than those of bank CDs. They’re best for investors, not average bank customers. See how they compare.

To the delight of savers, CD interest rates have soared in the past couple of years, shooting past 5% or even 6% APY. But savers could see CD rates dip after the Federal Reserve cut interest rates ...