2 days ago · Its digital banking platform includes a decent selection of competitive high-yield CDs. Funding a CD in the first 10 days comes with a guarantee that you get the highest rate within that …

Many high-yield CDs have rates that are higher than the best savings account yields. You can find top options by searching the best CD rates and comparing them to the best savings rates.

What is a high-yield CD? A high-yield CD is a certificate of deposit with one of the highest interest rates available across financial institutions.

Current high-yield CD rates have dropped to or below the 4% range after the Fed cut its rates in September, October and December 2025. Skip down to see current CD rates.

2 days ago · The best one-year CD rates can help boost some of your short-term savings. These rates tend to be more than double the national average of 1.63% for one-year certificates of deposit.Read …

High-yield CDs: These CDs have fixed rates and are subject to early withdrawal penalties. Rates are solid, including its one-year CD with 4.00% APY (annual percentage yield) as of 10/02/2025.

CDs give some of the highest returns for deposit accounts, and they tend to work best for specific short-term goals, such as saving for a wedding or down payment for a home a few years down the road.

Dec 23, 2025 · The Fed lowered its benchmark interest rate three times in 2025. Excellent interest rates are still available on certificates of deposit, but they are trending lower.

Use our free CD calculator to see the total interest you can get on a certificate of deposit. Like savings accounts, CDs earn interest and are federally insured.

Standard CDs (or what it calls "High Yield CD"): These CDs have fixed rates and early withdrawal penalties.