The best compressed tablets – week from May 5 to May 9, 2025

If the headlines of the economic newspapers are confirmed, the deposit certificate can provide some peace of mind that affects the need.

Noah Damsky, Director of the Director Marina Wilder is a consultant. “If you are looking to earn a stable income, sleep well at night and avoid stock market panels, the CDs can be a great option.”

But if you want to increase your returns to the maximum, you may want to act now. today Cutting top tablets He still gets an annual percentage (APYS) of 4.50 %, but prices have slipped despite the last prices of the Federal Reserve. with recession On the horizon, APYS is likely to continue to decline even if the Federal Reserve stops interest rates again this week as expected. So, the more you are locked in your APY, the more your profits.

The best compressed tablet rates this week

condition	The highest APY*	Bank	The estimated profits of depositing $ 1,000	The estimated profits of depositing $ 5,000	The estimated profits of depositing $ 10,000
6 months	4.50 %	Federal Credit Union at the community level	22.25 dollars	111.26 dollars	222.52 dollars
1 year	4.40 %	Federal Credit Union at the community level	44.00 dollars	$ 220.00	440.00 dollars
3 years	4.15 %	The First Credit Union, America	129.74 dollars	648.69 dollars	1,297.38 dollars
5 years	4.20 %	The First Credit Union, America	228.40 dollars	1,141.98 dollars	2,283.97 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.

The most important reasons for opening a pressed disk today

CDs provide many benefits, including:

Low risk

CDs he held FDIC believer The bank or the insured credit union is protected on NCUA for up to 250,000 dollars for each deposit, institution and account category. This means that if your bank fails, your money is safe. Other investments, such as stocks, may result in long -term higher returns, but they are also volatile, which means that you may lose money at any time.

📈 guaranteed returns

APY is closed when a press disk is opened, unlike savings accounts, where interest rates can vary at any time. The fixed rate of the CD is easy to calculate the amount of interest you will earn over time and protect your money from low prices after opening your account.

Competitive prices

Traditional savings accounts provide a minimum APYSSometimes low up to 0.01 %. CDs with higher returns today contain APYS with a rate of 4.50 % or more, which can make a file The difference in your interest profits And help your money keep up with inflation.

✋ A barrier to reach

Many CDs, however, charge Early drawing penalty If you take out your money before the term ends. This can help you resist the desire to drop your money before you need it.

The high -return savings account may be appropriate if …

CDs have a lot of privileges, but they are not always suitable to suit your needs. The high -return savings account may be a better option if:

🏧 You want ready access to your money

You will pay a penalty if you take money from a pressed disk before it is done. You can withdraw the cash from the savings account at any time, for free (as long as you mind any monthly drawing limits). This makes HYSAS very suitable for Emergency Fund.

🫰 You don’t have much money to deposit

Some CDs require a minimum to open an account, usually between 500 to 1,000 dollars. If you can’t find an attractive APY account for the amount you want to deposit, try to search for a high -return savings account with low deposit or without a minimum.

💵 You want to add money over time

Most CDs only allow one time deposit. If you want to follow Add money to your savings After opening the account, think about the high -return savings account.

💰 You can earn up to 5 % APY on the best high -return savings accounts today. Payment The highest savings rates now.

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 listed in the averages of the weekly CNET CENET CRETIT Union, Ally Bank, American First Federal Credit Union, American Express National Bank, Barclays, Bask Bank, BMO Alto, BREAD savings, Capital One, CFG Bank, Cit, Communitywide Credit Union, Discover, Discover, First Internet Indiana, First National Bank of America, For Bantbright, Direct, Nexbank, Quontic, RISING Bank and Synchrony.

*APYS as of May 2, 2025, based on the banks we follow in CNET. The profits depend on APYS and the benefit is assumed to worsen annually.