Today's CD Rates for July 14, 2025: Highest APYs range from 4.25% to 4.75%
Right now, the best CD rates are on short-term CDs. The Federal Deposit Insurance Corporation (FDIC) reports that the average rate on a 12-month CD is 1.75%. However, the average for the top high-yield CDs is 4.63%, according to DepositAccounts.com. There are also six-month CDs with competitive rates, depending on the institution, as well as promotional CDs with higher rates.
Top CD rates today
The best CD yield from a national bank is Northern Bank Direct, with a 4.45% APY on a nine-month CD with a $500 minimum deposit requirement. The best local bank CD rate is T Bank with a 4.55% APY on a 12-month CD with a $1,000 minimum to earn the APY.
If you're looking for the highest yield, no matter where you live, review the top CD rates today.
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