Now's the Time to Lock in an APY Up to 4.65%. Today's CD Rates, Feb. 20, 2025

Key takeaways You can earn up to 4.65% APY with today's best CDs. APYs haven't shifted much in recent days, but they won't stay high forever. By opening a CD now, you can protect your earnings from expected Fed rate cuts. Sometimes, no news is good news. As banks wait to see how long the Federal Reserve keeps interest rates paused, certificate of deposit rates haven't budged much over the past week. That's good news for savers who have yet to take advantage of still-elevated annual percentage yields. Today's best CDs offer APYs as high as 4.65% -- more than double the national average for some terms. And since your APY is locked in when you open a CD, you'll continue to enjoy the same high earnings even if the Fed cuts interest rates, which experts expect it will later this year. Ready to maximize your returns? Read on to see some of the highest CD rates available now and how much you could earn by depositing $5,000. Today's best CD rates Term Highest APY* Bank Estimated earnings ... Read full article.