Looking for the best CD rates? CD rates vary widely, with some banks still offering competitive rates despite a general decline due to Fed rate cuts. Top rates can reach 4% APY, with the highest currently at 5.5% APY from Gainbridge® on a 5-year CD.

Compare today’s CD rates to the national average, which is significantly lower. Online banks and credit unions often offer higher rates due to lower overhead costs. CDs are safe and stable, but consider early withdrawal penalties and long-term growth potential before investing.

Read more at Yahoo Finance: Best CD rates today, July 18, 2025 (up to 5.5% APY return)