Looking for the highest CD rates? CD rates are starting to decline due to Fed rate cuts, but some banks still offer competitive rates up to 4% APY for shorter terms. As of November 28, 2025, the highest CD rate is 4.1% APY from Marcus by Goldman Sachs and Sallie Mae.

National average CD rates are lower than current top rates. Online banks and credit unions offer competitive rates due to lower overhead costs. CDs are a safe savings option with federal insurance but have early withdrawal penalties. Consider your savings goals before choosing a CD or alternative accounts like high-yield savings or money market accounts.

Read more at Yahoo Finance: Best CD rates today, November 28, 2025 (up to 4.1% APY return)