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Saving money can be a challenge in an economy with persistent inflation. After all, if your money does not earn a return which is at least equal to inflation, it will lose purchasing power. But, a Certificate of deposit (CD) can help. It’s because today The main accounts are delivered with higher yields than the current inflation rate.
However, solid current yields are also not the only reason to invest in these savings vehicles. You can lock the high rates today For the term CD. In addition, these are safe investments, generally with FDIC or NCUA insurance on sales up to $ 250,000.
Start your trip by comparing Higher CD levels and earn more today.
What are the interest rates of today’s CD?
Depending on your CD typeTerms and other details, there is a variable CD rate range for which you can be eligible today. The following CD rates are the current national averages for specific conditions from July 24, 2025, according to Tickets.
- CD yield at 1 year: 2.04% APY
- CD yield at 3 years old: 1.69% APY
- CD yield at 5 years: 1.70% APY
These averages seem very different from the real rates available on Top CD todayHowever. Here are some of the best CD rates per quarter today:
CD rate at 6 months
- Bread savings – 4.45% APY
- Limelight Bank – 4.45% APY
- Bank5 Connect – 4.40% APY
CD rate at 1 year
- Popular direct – 4.40% APY
- Limelight Bank – 4.40% APY
- BASK BANK – 4.30% APY
CD rate at 3 years old
- Direct popular – 4.15% APY
- Synchrony Bank – 4.00% APY
- Bread savings – 4.00% APY
CD rate at 5 years
- Morgan Stanley Private Bank – 4.20% APY
- Direct popular – 4.20% APY
- Synchrony Bank – 4.15% APY
Do you want the best CD for your savings? Compare the upper prices here and start earning more money today!
How to get a good CD level
Use these strategies to lock the best CD rate at the moment.
Look at the banks online
There is a big difference between national average savings rates and the highest interest rates available. Partly, it is because different types of banks often have very different rates.
Online banks And the online divisions of large banks have fewer costs of general expenses to maintain their daily operations, because there are no physical banking branches. It is generally banks with prices that have followed the Fed changes in the past year. Today you are most likely to find CDS with competitive rates online banks.
On the other hand, large banks With branches across the country – where you can keep your current account for more convenience and easy access to branches and automatic distributors – often have a lower CD and savings rate. Many CDs in these banks are lower than average and can even be still close to zero.
Consider CDs in the short term
CD terms can range from about one to three months to 10 years. But often, Short -term CDs are the best way to obtain a higher price today.
But the global economic environment did it Short -term CDs (About six months to one year) currently have higher interest rates than the longer terms. Bankrate data in fact specify that one year CD yields have exceeded five -year yields in a coherent manner since October 2022.
The phenomenon is called the reverse yield curve. “This means that the rates are the highest for CDs and short -term treasure bills and are in fact lower as you go out further in time,” explains Donald F. Dempsey, CFP, founder of Dempsey Investment Management.
In order to take advantage of these high rates while saving in the long term, “a practical approach could be to extend your CDs”, explains Dempsey. “Buy a year, about two years, about three years, etc.”
See all the best short -term CD rates for which you can qualify here.
The bottom line
At present, CD rates and savings rates in general offer higher rates than what has been observed over the years. You can take advantage of the opportunity to lock a good price with flexible terms to help you achieve your savings goals faster. Just make sure to compare different banking options and the term of the term that work for you in order to start maximizing your balance with the Best CD rates available today.