Don't Let These APYs Pass You By. Today's CD Rates, March 6, 2025

Key takeaways You can earn up to 4.65% APY with today's best CDs. Banks cut some top CD rates this week. The sooner you open a CD, the better the APY you might be able to lock in. Certificate of deposit rates have largely held steady since the Federal Reserve paused interest rates in January. But some banks have been tweaking their CD rates and lately, this means cutting annual percentage yields. This week, the top five-year CD rate on our list, America First Credit Union's, fell from 4.25% APY to 4.20% APY. BMO Alto slashed its rates on six-month, one-year, three-year and five-year CDs from 3.50% to 3.90% APY down to 3.00% to 3.15% APY. It's a reminder that CD rates can change at any time, so locking in your APY now can help protect your earnings. "I expect rates to remain flat or trend lower, following the path of broader interest rates, in the coming weeks," said Noah Damsky, CFA, Principal of Marina Wealth Advisors. "If you're waiting for higher CD rates before you invest, you ... Read full article.