The Best CD Rates Today, April 14, 2025: Up to 4.65% APY
Image source: The Motley Fool/Upsplash CD rates are still high, especially for terms of six months to 14 months. The best rates on the market are between 4.50% and 4.65%.These rates may not last long, though.Alert: highest cash back card we've seen now has 0% intro APR into 2026 This credit card is not just good – it's so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes. The Federal Reserve expects to cut interest rates twice in the second half of 2025. Experts predict that the first cut could come as soon as mid-June. If you're looking to open a CD, then now looks like a good time.Here are some of the highest CD rates you can find today.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000United Fidelity Bank4.60%10 Months$1,000Brilliant Bank4.55%9 Months$1,000Marcus by Goldman Sachs4.50%14 Months$500United Fidelity Bank4.50%6 Months$1,000Data source: Issuing banks. Rates are accurate as of April 14, 2025.Why we chose these CDsCompetitive rates. A few CDs out there might offer more, but there's usually a catch.Open easily. You can open these CDs with as little as $500.Online convenience. Open them from your sofa through the issuer's website.Nationwide access. These banks welcome everyone from across the U.S. with open arms.While the CDs above offer some of the most competitive rates available today, they're not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they're worth a look. Explore Discover® Bank rates here.The Best CD Rates From Our Partners TodayWant to find the best CD for your timeline and goals? Explore top rates by term:Best CD Rates -- Our expert picks for the top accounts available todayBest 6-Month CD Rates -- Short-term savings with fast accessBest 12-Month CD Rates -- Solid returns with just a 1-year commitmentBest 5-Year CD Rates -- Maximize earnings over the long haulShould you open a CD?CD rates have dipped since mid-2024, but they remain high. The Federal Reserve is keeping rates steady for now, but experts think they might drop later in 2025. This might be the ideal time to lock in a CD if you want safe returns.Consider CDs if you want to:Secure guaranteed returns on your cashProtect savings from possible rate cutsTop CDs are FDIC insured, protecting up to $250,000 per person, per bank. While CDs carry minimal risk, stocks could offer higher gains. However, stocks come with more risk.How to open a CDOpening a CD is quick and simple. Just follow these steps:Search for the highest APY that suits your term needs.Read the details and check if you can meet the minimum deposit.Apply online using the bank's app, or call them. Approval often takes just minutes.Connect your bank account and transfer your money.Remember, each CD allows only one deposit. Plan your amount wisely. When you're ready, click here to explore the best CD rates and open a high-yield CD today.Once you've opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD's maturity date to make a decision.Earn up to 4.10% APY without locking up your fundsFor a high APY with added flexibility, consider a high-yield savings account. These accounts let you:Deposit and withdraw money anytimeMove funds quickly to other accountsSimply stash cash, avoiding the work CDs require at maturityWhile savings rates can change, high-yield savings accounts currently offer APYs close to top CDs. They provide great returns without the long-term commitment, making either one a good choice now, depending on your savings goals.If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we've seen now has 0% intro APR into 2026 This credit card is not just good – it's so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee! Click here to read our full review for free and apply in just 2 minutes. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst tea

CD rates are still high, especially for terms of six months to 14 months. The best rates on the market are between 4.50% and 4.65%.These rates may not last long, though.
Alert: highest cash back card we've seen now has 0% intro APR into 2026
This credit card is not just good – it's so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
The Federal Reserve expects to cut interest rates twice in the second half of 2025. Experts predict that the first cut could come as soon as mid-June. If you're looking to open a CD, then now looks like a good time.
Here are some of the highest CD rates you can find today.
Bank | APY | Term | Minimum Deposit |
---|---|---|---|
OMB | 4.65% | 7 Months | $1,000 |
United Fidelity Bank | 4.60% | 10 Months | $1,000 |
Brilliant Bank | 4.55% | 9 Months | $1,000 |
Marcus by Goldman Sachs | 4.50% | 14 Months | $500 |
United Fidelity Bank | 4.50% | 6 Months | $1,000 |
Why we chose these CDs
- Competitive rates. A few CDs out there might offer more, but there's usually a catch.
- Open easily. You can open these CDs with as little as $500.
- Online convenience. Open them from your sofa through the issuer's website.
- Nationwide access. These banks welcome everyone from across the U.S. with open arms.
While the CDs above offer some of the most competitive rates available today, they're not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they're worth a look. Explore Discover® Bank rates here.
The Best CD Rates From Our Partners Today
Want to find the best CD for your timeline and goals? Explore top rates by term:
- Best CD Rates -- Our expert picks for the top accounts available today
- Best 6-Month CD Rates -- Short-term savings with fast access
- Best 12-Month CD Rates -- Solid returns with just a 1-year commitment
- Best 5-Year CD Rates -- Maximize earnings over the long haul
Should you open a CD?
CD rates have dipped since mid-2024, but they remain high. The Federal Reserve is keeping rates steady for now, but experts think they might drop later in 2025. This might be the ideal time to lock in a CD if you want safe returns.
Consider CDs if you want to:
- Secure guaranteed returns on your cash
- Protect savings from possible rate cuts
Top CDs are FDIC insured, protecting up to $250,000 per person, per bank. While CDs carry minimal risk, stocks could offer higher gains. However, stocks come with more risk.
How to open a CD
Opening a CD is quick and simple. Just follow these steps:
- Search for the highest APY that suits your term needs.
- Read the details and check if you can meet the minimum deposit.
- Apply online using the bank's app, or call them. Approval often takes just minutes.
- Connect your bank account and transfer your money.
Remember, each CD allows only one deposit. Plan your amount wisely. When you're ready, click here to explore the best CD rates and open a high-yield CD today.
Once you've opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:
- Pay out your initial deposit plus your earnings as cash
- Reinvest your funds in a new CD with the same term (but potentially a different APY)
Most banks give you a grace period of seven to 10 days after the CD's maturity date to make a decision.
Earn up to 4.10% APY without locking up your funds
For a high APY with added flexibility, consider a high-yield savings account. These accounts let you:
- Deposit and withdraw money anytime
- Move funds quickly to other accounts
- Simply stash cash, avoiding the work CDs require at maturity
While savings rates can change, high-yield savings accounts currently offer APYs close to top CDs. They provide great returns without the long-term commitment, making either one a good choice now, depending on your savings goals.
If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.
Alert: highest cash back card we've seen now has 0% intro APR into 2026
This credit card is not just good – it's so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.