CD rates are fluctuating, with some banks still offering competitive rates despite Fed rate cuts. Gainbridge® leads with a 5.5% APY on a 5-year CD. Online banks and credit unions also offer high rates. Consider CDs for stable savings, but be aware of penalties for early withdrawal and lower growth compared to market investments.

Read more at Yahoo Finance: Best CD rates today, July 25, 2025 (up to 5.5% APY return)