Earn more with a high CD rate today by locking in competitive rates. Longer-term CDs used to offer higher interest, but now shorter terms may be better. As of December 21, 2025, the highest CD rate is 4.1% APY. The interest you earn depends on the APY and how often interest compounds. Investing $1,000 in a 1-year CD with 4% APY could earn you $40.74 in interest. Consider other CD types like Bump-up, No-penalty, Jumbo, and Brokered CDs for different benefits.​​

Read more at Yahoo Finance: Best CD rates today, December 21, 2025 (lock in up to 4.1% APY)