Best CD rates today, November 10, 2025 (Lock in up to 4.25% APY)

Today’s CD rates inactive hover good supra the nationalist average. The Federal Reserve reduced its people involvement complaint 3 times successful 2024 and precocious announced its 2nd complaint chopped of 2025. This has a ripple effect connected deposit relationship rates, which means present could beryllium your past accidental to fastener successful today's precocious rates with a certificate of deposit (CD). Here’s a look astatine today’s champion CD rates and wherever you tin find the champion offers.

As of November 10, 2025, the highest CD complaint is 4.25% APY. This complaint is offered by United Fidelity Bank connected its 10-month CD, 18-month CD, and 2-year CD.

Here is simply a look astatine immoderate of the champion CD rates disposable contiguous from our verified partners.

If you're considering a CD, these rates are immoderate of the highest available, particularly erstwhile compared to the nationalist mean rates, which are importantly lower. It's besides worthy noting that online banks and recognition unions mostly connection much competitory rates compared to accepted brick-and-mortar banks​.

Read more: What is simply a bully CD rate?

Here’s a look astatine the mean CD complaint by word arsenic of October 2025 (the astir caller information disposable from the FDIC):

The highest nationalist mean involvement complaint for CDs stands astatine 1.68% for a 1-year term. However, successful general, today’s mean CD rates correspond immoderate of the highest seen successful astir 2 decades, mostly owed to the Federal Reserve's efforts to combat ostentation by keeping involvement rates elevated.

If you’re reasoning astir opening a CD, it’s important to take 1 with a precocious APY and word magnitude that matches your fiscal goals. Here are immoderate tips for uncovering the champion CD rates and accounts that lucifer your needs:

• Shop around: It’s a bully thought to measure CD rates from a assortment of fiscal institutions and comparison your options earlier settling connected an account. You tin easy comparison CD rates online.

• Consider online banks: Online banks thin to person little overhead costs, which allows them to connection higher involvement rates connected CDs. In fact, online banks often person the astir competitory rates available.

• Check minimum deposit requirements: Higher CD rates mightiness travel with higher minimum deposit requirements, truthful marque definite the magnitude you program to deposit aligns with the requirements to get the champion rate.

• Review relationship presumption and conditions: Beyond the CD’s rate, look astatine presumption for aboriginal withdrawal penalties and auto-renewal policies. Some CDs connection amended presumption for flexibility, specified arsenic no-penalty CDs, which let you to retreat your funds without a interest earlier the maturity date.