Best CD rates today, July 21, 2025 (Lock in up to 5.5% APY)
Best CD rates today
As of July 21, 2025, the highest CD rate is 5.5% APY, offered by Gainbridge® on its 5-year CD. There is a $1000 minimum opening deposit required.
Here is a look at some of the best CD rates available today from our verified partners.
This embedded content is not available in your region.
National average CD rates
If you're considering a CD, these rates are some of the highest available, especially when compared to the national average rates, which are significantly lower. It's also worth noting that online banks and credit unions generally offer more competitive rates compared to traditional brick-and-mortar banks.
Read more: What is a good CD rate?
Here's a look at the average CD rate by term as of June 2025 (the most recent data available from the FDIC):
The highest national average interest rate for CDs stands at 1.77% for a 1-year term. However, in general, today's average CD rates represent some of the highest seen in nearly two decades, largely due to the Federal Reserve's efforts to combat inflation by keeping interest rates elevated.
How to find the best CD rates
If you're thinking about opening a CD, it's important to choose one with a high APY and term length that matches your financial goals. Here are some tips for finding the best CD rates and accounts that match your needs:
Shop around: It's a good idea to evaluate CD rates from a variety of financial institutions and compare your options before settling on an account. You can easily compare CD rates online.
Consider online banks: Online banks tend to have lower overhead costs, which allows them to offer higher interest rates on CDs. In fact, online banks often have the most competitive rates available.
Check minimum deposit requirements: Higher CD rates might come with higher minimum deposit requirements, so make sure the amount you plan to deposit aligns with the requirements to get the best rate.
Review account terms and conditions: Beyond the CD's rate, look at terms for early withdrawal penalties and auto-renewal policies. Some CDs offer better terms for flexibility, such as no-penalty CDs, which allow you to withdraw your funds without a fee before the maturity date.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
19 minutes ago
- Yahoo
Hewlett Packard Enterprise's Quarterly Earnings Preview: What You Need to Know
With a market cap of $27.2 billion, Hewlett Packard Enterprise Company (HPE) is a Texas-based tech giant specializing in enterprise IT solutions such as servers, storage, networking, cloud computing, and data management. HPE is scheduled to release its fiscal Q3 2025 earnings results on Wednesday, Sept. 3. Ahead of this event, analysts expect the company to report a profit of $0.37 per share, a 17.8% decline from $0.45 per share in the year-ago quarter. The company has exceeded Wall Street's earnings expectations in three of the past four quarters while missing on another occasion. More News from Barchart Warren Buffett Warns Inflation Turns Business Into 'The Upside-Down World of Alice in Wonderland' But Weeds Out 'Bad Businesses' Why GOOGL Stock May Be the Market's Next Big Winner Alphabet Posts Lower Free Cash Flow and FCF Margins - Is GOOGL Stock Overvalued? Markets move fast. Keep up by reading our FREE midday Barchart Brief newsletter for exclusive charts, analysis, and headlines. For the current year ending in October, analysts expect HPE's EPS to decline 9.3% from $1.73 in fiscal 2024 to $1.57. Looking ahead, its EPS is expected to rebound in 2026, growing 24.8% annually to $1.96. Shares of HPE have climbed 6.6% over the past 52 weeks, underperforming the broader S&P 500 Index's ($SPX) 18.3% gain and the Technology Select Sector SPDR Fund's (XLK) 22.7% return over the same period. On July 1, shares of Hewlett Packard surged 11.4% after the company reached a settlement with the U.S. Department of Justice, avoiding a July 9 trial over its $14 billion acquisition of Juniper Networks, Inc. (JNPR). As part of the agreement, HPE will divest its Instant On wireless business and license a Juniper AI product's source code. Analysts' consensus view on HPE stock remains fairly upbeat, with a "Moderate Buy" rating overall. Out of 18 analysts covering the stock, eight recommend a "Strong Buy," one "Moderate Buy," and nine give a "Hold" rating. Its average analyst price target of $23.40 represents a potential 12.9% increase from the current market price. On the date of publication, Kritika Sarmah did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. This article was originally published on
Yahoo
19 minutes ago
- Yahoo
FMC Corporation (FMC) Declares Quarterly Dividend; KeyBanc Raises PT Ahead of Upcoming Q2 Results
FMC Corporation (NYSE:FMC), a cheaply priced stock popular among hedge funds and offering upside potential, is included in our list of the . A person inspecting a lithium-ion battery that is being recycled. On July 14, 2025, KeyBanc increased its price target on FMC Corporation (NYSE:FMC) from $53 to $61, maintaining an 'Overweight' rating. For a stock that is trading at $43.21 as of the time of writing, representing a 41.17% upside, per the analyst. The analyst signals growing optimism around the company's growth potential. Meanwhile, two days later, FMC Corporation (NYSE:FMC)'s board declared a regular quarterly dividend of $0.58 per share, payable on October 16, 2025. Amid the volatile market environment, this points to the company's commitment to shareholder returns and operational resilience. With decades of experience in developing and producing lithium amides, lithium alkoxides, lithium metal hydrides, alkyllithiums, and aryllithiums, FMC Corporation (NYSE:FMC) has enabled the production of agricultural and pharmaceutical intermediates. It is included in our list of cheap lithium stocks. FMC Corporation (NYSE:FMC), a global agricultural sciences company, offers sustainable crop protection and precision agriculture solutions. It is included in our list of cheap lithium stocks. While we acknowledge the potential of FMC as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 11 Most Undervalued Cloud Stocks Under $10 According to Hedge Funds and 11 Best Mineral Stocks to Buy According to Hedge Funds. Disclosure: None.
Yahoo
19 minutes ago
- Yahoo
Before Figma Goes Public, Should You Double Down on Adobe or Bet on the Underdog?
Key Points After a failed acquisition, Adobe and Figma are poised to compete for customers and investors. Adobe faces increasing competition to its market dominance. Figma faces an uphill climb to unseat Adobe as the industry standard software. 10 stocks we like better than Adobe › After a long drought, the initial public offering (IPO) market seems to be springing to life. After more than 1,000 companies debuted on the public markets during the exuberance of 2021, the ensuing three years have been comparatively quiet, with 181, 154, and 225 IPOs in 2022, 2023, and 2024, respectively. With approximately half of 2025 in the rearview mirror, we've already seen nearly 200 IPOs, putting the current year on a pace not seen in quite a while. One of the most anticipated debuts is from the creative software company Figma, which is expected to go public as early as late July. If that name sounds familiar, it's likely because of the attempted 2022 acquisition by rival Adobe (NASDAQ: ADBE) that was terminated after antitrust concerns. Let's take a look at both companies to see which is more deserving of investors' capital. How we got here When Adobe announced its plan to acquire Figma, much commentary was generated about the move and its associated price tag of $20 billion. To some, it seemed like an expensive but necessary move to bring a rival's software offering under Adobe's suite of products. To others, it was an admission that Adobe was losing ground to newer entrants in the creative software space. In the end, it didn't end up mattering as the deal fell apart and Figma remained private. Since the merger was terminated in December 2023, Adobe's stock has fallen by 38%. Meanwhile, Figma is seeking an IPO valuation of $13 billion, about $7 billion shy of the price Adobe was willing to pay. Software showdown Figma offers web-based collaborative design tools that can be used for a variety of design tasks, including creating flyers, mobile app interfaces, and web designs. At its core, Figma offers many of the same tools available to subscribers of Adobe's creative suite of software, including applications like Photoshop and Illustrator. However, the focus should be on how the products differ. Figma is web-based, meaning it will work in a web browser. Adobe's products are applications that need to be downloaded. There is also a substantial collaboration feature offered by Figma that doesn't exist in the Adobe suite. It doesn't take a tech genius to see how a product that allows users to easily work on any device that has a web browser while seamlessly collaborating with others would be a compelling challenger to an incumbent like Adobe. That said, there's more to consider before making a bet on this new IPO. Adobe has a substantial reputational and incumbency advantage. In the professional world and at the enterprise level, the Adobe software suite is substantially entrenched. That's not to say it can't be disrupted, but it's an uphill climb. Additionally, both Figma and Adobe are building AI features into their products. Considering the cost of implementing AI, it's worth considering how much of a burden this would have on a smaller company like Figma compared to the deeper-pocketed Adobe. The bottom line for investors There's a case to be made that a web-based collaborative platform like Figma is perfectly positioned to take share from the entrenched Adobe. In that sense, the excitement around Figma's IPO makes sense. Buying shares of Figma at its expected market cap of $13 billion puts a potentially longer runway for growth in front of the company. By comparison, Adobe's market cap is nearly $158 billion. However, it's likely too early to declare the downfall of Adobe. Its incumbency advantage will be tough to disrupt, and as long as the race for AI continues, those spending requirements favor Adobe and its larger size and strong balance sheet. Do the experts think Adobe is a buy right now? The Motley Fool's expert analyst team, drawing on years of investing experience and deep analysis of thousands of stocks, leverages our proprietary Moneyball AI investing database to uncover top opportunities. They've just revealed their to buy now — did Adobe make the list? When our Stock Advisor analyst team has a stock recommendation, it can pay to listen. After all, Stock Advisor's total average return is up 1,041% vs. just 183% for the S&P — that is beating the market by 858.71%!* Imagine if you were a Stock Advisor member when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $636,628!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,063,471!* The 10 stocks that made the cut could produce monster returns in the coming years. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of July 28, 2025 Jeff Santoro has positions in Adobe. The Motley Fool has positions in and recommends Adobe. The Motley Fool has a disclosure policy. Before Figma Goes Public, Should You Double Down on Adobe or Bet on the Underdog? was originally published by The Motley Fool Error while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
