Top CD Rates Since December 2021—As of March 28, 2025

In late 2021, the top nationally available CD rates for terms of 6 months to 5 years ranged from 0.80% to 1.30% APY. After 11 Fed rate hikes in 2022–2023, the top rates surged as high as 6.00%. Now, however, CD rates are declining after three 2024 Fed rate cuts totaling 1.00 percentage point.

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Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide.

Chart: Investopedia / Sabrina KarlSource: Investopedia daily CD rate data