It’s still a good time to earn a great return on a certificate of deposit, just don’t wait to take action. After declining in 2024 as the Federal Reserve cut rates, average CD yields have stabilized in early 2025 thanks to the central bank hitting pause on more rate changes—for now.
Today’s best CD rates yield up to 4.50% annual percentage yield. If you choose to open an account today, you could lock in high rates for years, depending on the term that best meets your financial goals. Experts expect at least one of two more Fed rate cuts this year, so don’t wait to invest.
