Today’s CD rates remain above the national average, with the Federal Reserve announcing its second rate cut of 2025. The highest CD rate is 4.1% APY, offered by Marcus by Goldman Sachs and Sallie Mae. Online banks and credit unions typically offer more competitive rates than traditional banks. The national average interest rate for CDs is 1.68% for a 1-year term, among the highest in two decades. When opening a CD, consider high APY and term length that align with financial goals. Shop around, consider online banks, check minimum deposit requirements, and review account terms for the best CD rates and accounts.

Read more at Yahoo Finance: Best CD rates today, November 24, 2025 (Lock in up to 4.1% APY)