Best CD rates today, November 7, 2025 (up to 4.25% APY return)

See which banks are presently paying the highest CD rates. If you’re looking for a unafraid spot to store your savings, a certificate of deposit (CD) whitethorn beryllium a large choice. These accounts often supply higher involvement rates than accepted checking and savings accounts. However, CD rates tin alteration widely. Learn much astir CD rates contiguous and wherever to find high-yield CDs with the champion rates available.

Today’s CD rates alteration rather a bit. In general, however, CD rates are opening to diminution owed to the Fed’s determination to chopped its benchmark complaint 3 times successful the aboriginal portion of 2024 and its astir caller complaint chopped successful October 2025. Even so, immoderate banks are inactive offering competitory CD rates.

For those that are, apical rates scope astir 4% APY. This is particularly existent for shorter presumption of 1 twelvemonth oregon less.

As of November 7, 2025, the highest CD complaint is 4.25% APY. This complaint is offered by United Fidelity Bank connected its 10-month CD, 18-month CD, and 2-year CD.

Here is simply a look astatine immoderate of the champion CD rates disposable contiguous from our verified partners:

Compare these rates to the nationalist mean arsenic of October 2025 (the astir caller information disposable from the FDIC):

Compared with today’s apical CD rates, nationalist averages are overmuch lower. This highlights the value of buying astir for the champion CD rates earlier opening an account.

Online banks and neobanks are fiscal institutions that run solely via the web. That means they person little overhead costs than accepted ceramic and mortar banks. As a result, they’re capable to walk those savings connected to their customers successful the signifier of higher involvement rates connected deposit accounts (including CDs) and little fees. If you’re looking for the champion CD rates disposable today, an online slope is simply a large spot to start.

However, online banks aren’t the lone fiscal institutions offering competitory CD rates. It’s besides worthy checking with recognition unions. As not-for-profit fiscal cooperatives, recognition unions instrumentality their profits to customers, who are besides member-owners. Although galore recognition unions person strict rank requirements that are constricted to those who beryllium to definite associations oregon enactment oregon unrecorded successful definite areas, determination are besides respective recognition unions that conscionable astir anyone tin join.

Whether oregon not you should enactment your wealth successful a CD depends connected your savings goals. CDs are considered a harmless and unchangeable savings conveyance — they don’t suffer wealth (in astir cases), are backed by national insurance, and let you to fastener successful today’s champion rates.

However, determination are immoderate drawbacks to consider. First, you indispensable support your wealth connected deposit for the afloat term, different you’ll beryllium taxable to an aboriginal withdrawal penalty. If you privation flexible entree to your funds, a high-yield savings relationship oregon wealth marketplace relationship mightiness beryllium a amended choice.

Additionally, though today’s CD rates are precocious by humanities standards, they don’t lucifer the returns you could execute by investing your wealth successful the market. If you’re redeeming for a semipermanent extremity specified arsenic retirement, a CD won’t supply the maturation you request to scope your savings extremity wrong a tenable clip frame.

Read more: Short- oregon semipermanent CD: Which is champion for you?