CDs Are a Safe Haven in a Shaky Economy. Today's CD Rates, March 18, 2025

Key takeaways Today's top CDs earn APYs as high as 4.65%. Unlike stocks, CDs offer steady, reliable returns even in an uncertain economy. CDs are a great fit for investors who want to protect their money and enjoy predictable returns. A smart investment portfolio balances risk and reward. While assets like stocks have the potential for big gains, they also have the potential for big losses -- as recent stock market turmoil has made abundantly clear. That's why it's essential to include safer, more predictable assets in your strategy. A certificate of deposit offers peace of mind and guaranteed earnings. Your rate is locked in when you open the account, so your returns stay the same regardless of what happens in the economy. And since CDs are protected by federal deposit insurance, you don't have to worry about losing your money if your bank or credit union goes under. This makes CDs a great fit for specific savings goals, like a wedding or home purchase, and investors nearing retir ... Read full article.