Currently, the best CD rates still earn above 4 percent APY. The top rate tracked by Bankrate's editorial team is 4.20 offered by State Employees Credit Union (NC).

Searching for the best CD rates? Bankrate.com offers rates, comparison tools and news on certificates of deposit.

Dec 23, 2025 · Bankrate tracks the best certificate of deposit rates and recent interest rate trends for you.

To find the best one-year CD rates, we regularly survey one-year CD offerings from the banks and credit unions that continually offer the most competitive rates.

2 days ago · Maximize your savings by exploring the best CD rates in Massachusetts. Compare rates from multiple banks, evaluate terms, and to find the right CD for you.

4 days ago · Find the best CD rates in Florida. Compare CDs from various banks, evaluate terms, and make informed decisions to maximize your savings.

3 days ago · Maximize your savings by exploring the best CD rates in Michigan. Compare CDs offered by various banks and credit unions to find the best option for you.

Dec 23, 2025 · When deciding where to park your savings, compare the best CD rates, available term lengths and minimum deposit amounts (if any) at several banks when deciding where to park your …

Jan 6, 2026 · Bankrate’s list of best CD rates can be a helpful resource for finding the highest rates, and many of the banks and credit unions on the list don’t require any set minimum deposit.

To find the best five-year CD rates, we regularly survey five-year CD offerings from the banks and credit unions that continually offer the most competitive rates.