Lock in a high CD rate before they fall further. Best rates on shorter terms, particularly from online banks and credit unions. Marcus by Goldman Sachs offers 4.1% APY on a 14-month CD. Interest earned on a CD depends on APY and compounding frequency. Deposit more, earn more interest.

Consider different types of CDs beyond traditional ones. Bump-up CDs allow for rate increase once. No-penalty CDs let you withdraw funds early. Jumbo CDs require higher minimum deposit for potentially higher rates. Brokered CDs bought through a brokerage may offer higher rates but carry more risk and may not be FDIC-insured.

Read more at Yahoo Finance: Best CD rates today, December 6, 2025 (best account provides 4.1% APY)