CDs Offer Guaranteed Earnings, Even When the Economy Is Uncertain. Today's CD Rates, March 31, 2025

Key takeaways Today's top CDs boast APYs as high as 4.50%. CDs' fixed rates means your earnings won't change, whatever the economy has in store. In addition to predictable interest, CDs offer low risk and federal deposit insurance to keep your money safe. One of the top perks of a certificate of deposit is a fixed rate. Your annual percentage yield, or APY, is locked in when you open a CD, so you can rest easy knowing you'll enjoy guaranteed earnings regardless of where rates go in the future. In an economy as uncertain as today's, that predictability can be invaluable. "Interest rates are jumping around with no end in sight. Stocks are sensitive to any hint of tariffs and political posturing, which could last for years. If you need to sleep well and earn a reasonable return, CDs could be a great option," said Noah Damsky, CFA, principal of Marina Wealth Advisors. Today's best CDs offer annual percentage yields (APYs) as high as 4.50% -- more than three times the national average ... Read full article.