A compact disk rate of up to 4.65 % APY is disrupted while you can. CD rates today, February 11, 2025

Deposit certificates are offered to take advantage of the guaranteed interest rate, and Best CDs APYS is currently offered to 4.65 %. However, these high rates may not be remaining, so now it may be a suitable time to do this.

Federal Reserve Use interest rates temporarily stopped At its meeting in January, but banks can still reduce the rates of CDs – some are already this year. In addition, some experts expect that the Federal Reserve will reduce interest rates again by the end of the year.

It means opening a pressed disk today that you can lock up your rate for your compressed disc, regardless of what is happening. Here are some of the highest prices for CDs and the amount that you can earn by depositing $ 5,000.

The best compressed disk rates today

condition	The highest APY*	Bank	Size profits
6 months	4.65 %	Federal Credit Union at the community level	114.93 dollars
1 year	4.45 %	Federal Credit Union at the community level	222.50 dollars
3 years	4.15 %	The First Credit Union, America	648.69 dollars
5 years	4.25 %	The First Credit Union, America	1,156.73 dollars

Experts recommend comparing rates before opening a CD account to get the best APY as possible. Enter your information below for the best CNET partners for your area.

How does the Federal Reserve affect the compressed tablet rates?

The Federal Open Market Committee meets eight times a year to determine the rate of federal funds based on the health of the American economy. The Federal Reserve may raise interest rates to try to slow down or reduce inflation to stimulate spending. After lowering interest rates in 2024, Stop temporarily from any moves at his meeting in January Amid signs of that The inflation was declining once again.

Although the Federal Reserve does not place direct CDs, banks generally put APYS according to the Federal Fund. CDS offers a fixed price for a specific period of time, so a higher average lock can now help protect your profits if the Federal Reserve decides to reduce interest rates in the coming months.

But it is only logical to lock modified when you know that you will not need to reach money. Otherwise, if you have to disperse the CD before it is ripe, you can be exposed to early drawing fees.

“Going with the highest APY level is very logical, although you want to make sure to choose a merit date that corresponds to your situation,” said Keith Spencer, CFP, founder and financial plan at Spencer Financial Planning.

💰 You can earn up to 5 % APY on The best high -yield savings accounts. Check the rates of today.

Average compressed tablet rates from week to week

condition	Last week CNET APY	Average CNET this week APY	Weekly change
6 months	4.10 %	4.10 %	No change
1 year	4.06 %	4.07 %	+0.25 %
3 years	3.54 %	3.55 %	+0.29 %
5 years	3.55 %	3.56 %	+0.28 %

The main features when choosing a compressed disk

APY is an important competitive, but it is not the only thing you should think of. To find the right disk right for you, weigh these things as well:

• When you need your money: Early withdrawal penalties On the CDs you can eat in your interest profits if you need your money before the time is over, so choose a logical time schedule. Instead, you can determine a A pressing disk does not regretAlthough APY may not be high as you will get a traditional compressed disk of the same term.
• Minimum deposit requirements: Some CDs require a minimum to open an account, usually between 500 to 1,000 dollars. Knowing the amount of money that must be set aside you can help you narrow your options.
• expenses: Maintenance and other fees can cut your savings. a lot Banks online Do not charge fees because they have less general costs than banks with material branches. Read the fine printing of any account you evaluate.
• Safety and securityMake sure the bank or Credit Union You are thinking If the bank fails.
• Customer classifications and reviews: Visit sites like TrustPilot to find out what customers say about the bank. You want a bank that responds, professionally and easy to work with.

methodology

CNET reviews the compressed tablet prices based on the latest APY information from the exported web sites. We evaluated the compressed tablet rates from more than 50 banks, credit federations and financial companies. We evaluate the CDs based on APYS, product offers, access and customer service.

The current banks included in the average weekly CNET CREDIT Union, ALY Bank, American Express National Bank, Barclays, Bask Bank, BREAD SAVINGS, Capital One, CFG Bank, Cit, Fulbright and Marcus By Goldman SACHS, MySB Direct and Quontic , RISING Bank, Synchrony, Everbank, Popular Bank, First Internet Bank of Indiana, Uniber First Federal Credit Union, Communitywide Feder CREDIT Union, Discover, Bethpage, BMO Alto, Limelight K, First Bank of America Credit Union.

*APYS as of February 10, 2025, based on the banks we follow in CNET. The profits depend on APYS and the benefit is assumed to worsen annually.

** Weekly percentage increased/decrease from February 3, 2025, to February 10, 2025.

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