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The Best CD Rates Today, March 28, 2025: Up to 4.65% APY

Motley Fool
03-28

The best CD rates today are around 4.50% to 4.65%. The CDs with the highest rates are short-term CDs, meaning they generally have terms of 12 months or less.

The Federal Reserve's recent decision to hold interest rates steady has, in effect, guaranteed that CD rates will stay competitive for a while longer. As a result, now is an excellent time to secure a CD while rates are still elevated.

Here are some of the best CD rates we've found today.

Bank APY Term Minimum Deposit
OMB 4.65% 7 Months $1,000
DR Bank 4.65% 6 Months $500
MutualOne Bank 4.59% 6 Months $500
Brilliant Bank 4.55% 9 Months $1,000
Marcus by Goldman Sachs 4.50% 14 Months $500
LendingClub 4.50% 10 Months $2,500
Data source: Issuing banks. Rates are accurate as of March 27, 2025.

Why we chose these CDs

The selection of CDs above all meet the following criteria:

  • Extremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.
  • Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.
  • Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
  • Open online. All the CDs on our list can be opened quickly and conveniently on the bank issuer's website, from the comfort of home.

If you're looking for a solid CD from a trusted digital bank, LendingClub's 10-month CD is worth a look. It offers a 4.50% APY with just a $2,500 minimum deposit. It's available nationwide and easy to open online -- a great pick for savers who want both convenience and a competitive return. Explore LendingClub CD rates here.

The Best CD Rates From Our Partners Today

Rates as of
Bank & CD OfferAPYTermMin. DepositNext Steps
Discover® Bank CD
Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

LendingClub CD
LendingClub CD
Member FDIC.
Open Account for

On Secure Website.

APY:
4.50%
Term:
10 Months
Min. Deposit:
$2,500
Open Account for

On Secure Website.

Quontic CD
Quontic CD
Member FDIC.
Open Account for

On Secure Website.

APY:
3.75%
Term:
6 Months
Min. Deposit:
$500
Open Account for

On Secure Website.

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

Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.

Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.

Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.

Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.

Should you open a CD now?

Despite a decline since mid-2024, CD rates remain elevated. Although the Federal Reserve has currently opted to hold the federal funds rate steady, experts widely predict that rate reductions are probable later in 2025.

Now could be a great time to lock in a CD if:

  • You want safe, guaranteed returns on your cash
  • You want to protect your savings from near-term interest rate cuts
  • You have cash that you can leave untouched for the full CD term

The best CDs come with FDIC insurance, ensuring that deposits of up to $250,000 per individual, per institution, are secure. While investing in CDs carries almost no risk, alternative options such as the stock market may offer the potential for greater returns.

How to open a CD

Once you're ready to open a CD, the process is fairly simple:

  1. Shop around with different financial institutions to find the highest APY for the term you want.
  2. Read the fine print and make sure you can meet the minimum deposit, if there is one, and ensure that you understand any early withdrawal penalties.
  3. Apply for a new account on the bank's website, mobile app, or over the phone. You'll likely be approved and ready to invest in minutes.
  4. Link an existing bank account to transfer funds to your new CD. Remember that you can only make one deposit per CD, so have your full investment ready to transfer.

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:

  1. Pay out your initial deposit plus your earnings as cash
  2. 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 money

If you want to earn a high APY with more flexibility and less commitment, look into a high-yield savings account.

High-yield savings accounts allow you to:

  • Deposit and withdraw money whenever you want.
  • Transfer money to other accounts quickly and easily.
  • Simply deposit cash and leave it as long as you'd like.

Savings account rates are variable, meaning you don't get the guarantee that you do with a CD. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice.

If you want to earn a competitive APY without locking up your money in a CD, the CIT Platinum Savings account is worth a look. It consistently offers one of the highest yields available at 4.10% APY for balances of $5,000 or more. Open a CIT Platinum Savings account here.

Our Picks for the Best High-Yield Savings Accounts of 2025

ProductAPYMin. to Earn
American Express® High Yield Savings
Member FDIC.
APY
3.70%
Rate info Circle with letter I in it. 3.70% annual percentage yield as of March 28, 2025. Terms apply.
Min. to earn
$0
Open Account for American Express® High Yield Savings

On American Express's Secure Website.

Member FDIC.
3.70%
Rate info Circle with letter I in it. 3.70% annual percentage yield as of March 28, 2025. Terms apply.
$0
Open Account for American Express® High Yield Savings

On American Express's Secure Website.

CIT Platinum Savings
Member FDIC.
APY
4.10% APY for balances of $5,000 or more
Rate info Circle with letter I in it. 4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn
$100 to open account, $5,000+ for max APY
Open Account for CIT Platinum Savings

On CIT's Secure Website.

Member FDIC.
4.10% APY for balances of $5,000 or more
Rate info Circle with letter I in it. 4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
$100 to open account, $5,000+ for max APY
Open Account for CIT Platinum Savings

On CIT's Secure Website.

Capital One 360 Performance Savings
Member FDIC.
APY
3.70%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn
$0
Open Account for Capital One 360 Performance Savings

On Capital One's Secure Website.

Member FDIC.
3.70%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.
$0
Open Account for Capital One 360 Performance Savings

On Capital One's Secure Website.

    • https://www.ombbank.com/personal-banking/personal-savings/certificates-of-deposit/7-month-high-yield-special
    • https://drbank.com/rates/
    • https://www.mutualone.com/client-services/rates-calculators/deposit-rates/
    • https://www.brilliant.bank/cds/
    • https://www.marcus.com/us/en/savings/high-yield-cds
    • https://www.lendingclub.com/personal-savings/cd

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