Safeguard your capital with Certificates of Deposit now and achieve up to 4.18% annual percentage yield. Explore the leading CD returns for December 11, 2025.

The highest CD rates available for purchase provide as much as 4.18% yearly interest. By depositing funds into a certificate today, you might lock in these favorable rates for an extended period, contingent on selecting a CD duration that aligns with your objectives. Prompt action is advisable, given the likelihood that the Fed may lower rates again in the upcoming year.

The top CD rates available today offer returns as high as 4.18%.

Citibank is providing the top CD rate of 4.18% for its three-month CD product. Nevertheless, it's important to note that the Annual Percentage Yield (APY) Citi provides for Its Certificates of Deposit might differ depending on where you are situated.

Coins2Day keeps track of the highest interest rates provided by major U.S. Banks to assist our audience in maximizing their earnings on Certificates of Deposit. Below are the most advantageous rates currently available:

Examine the certificate of deposit rates offered by leading financial institutions nationwide.

You might not recognize the banks detailed in the table above, and there's a solid explanation for that. Major financial institutions rely to a lesser extent on certificates of deposit for their capital funding compared to smaller firms. Consequently, they perceive less urgency to engage in competition by providing the most attractive interest rates.

Major financial institutions such as Chase, PNC, and U.S. Bank attract new clients through their various services, including lending and credit card offerings. Consequently, the certificate of deposit (CD) yields provided by these larger banks tend to be less attractive than those found at more localized or internet-based financial entities. To obtain a favorable rate from a major bank, customers might need to establish supplementary savings accounts or satisfy more substantial initial deposit thresholds.

CD rates news 2025

Experienced financiers are aware that Certificate of Deposit market rates closely follow the monetary policy choices made by The Federal Reserve, especially modifications to the fed funds rate. Individuals interested in investing in CDs ought to familiarize themselves with monitoring central bank policy shifts to grasp fluctuations in CD returns.

The Federal Open Market Committee (FOMC) maintained the federal funds rate at its previous level from January until August in 2025. However, following three successive reductions at the Fed’s meetings in September, October, and December, the federal funds rate is now positioned at 3.50%-3.75%.

The next FOMC meeting is set for Jan. 30-31 of next year.

During 2024, the Federal Reserve implemented three reductions in interest rates, with the final adjustment occurring at the FOMC gathering in December, resulting in rates being set between 4.25% and 4.50%. These policy shifts were a reaction to decelerating inflation within the United States, as the central bank sought to bolster the nation's economic performance through more affordable borrowing. Consequently, certificate of deposit (CD) rates retreated from their peak levels seen over the past twenty years.

The exceptionally elevated Certificate of Deposit returns were a consequence of the Federal Reserve's assertive increases to interest rates during 2022 and 2023. From March 2022 through July 2023, the Federal Open Market Committee implemented 11 rate adjustments, elevating them from zero to a bracket of 5.25%-5.50%. These elevated rates by The Fed were intended to temper the most significant inflation figures observed since the 1980s, which were themselves precipitated by economic disturbances stemming from the pandemic.

It's important to mention that present CD yields are quite close to their recent highs. Individuals can still find favorable rates for both brief and extended CD terms. Placing a substantial sum into your CD account allows for significant interest accumulation.

Historical CD rates

During the initial years of the 1980s, Certificates of Deposit offered interest rates that climbed into the double figures, a significant difference from the diminished returns seen presently. Nevertheless, by the year 2019, the Annual Percentage Yield for a CD with a five-year term was merely slightly above 3.00%.

During the initial years of the 2020s, interest rates climbed past 5.00% while the economy navigated the challenges of the Covid-19 pandemic. Now, five years onward, certificate of deposit rates are settling between 3.00% and 4.00%.

How to get a good CD rate

Figuring out what constitutes a “good” CD rate requires finding the optimal compromise between elevated rates and your willingness to commit funds for an extended duration. For instance, if you're considering a 5-year certificate offering 5.00% APY, you should proceed only if you're confident you won't require access to the money before maturity and you anticipate no rise in interest rates.

Key factors to evaluate when comparing CDs include:

• Term length: Ensure it aligns with your savings objectives and time frame.
• APY: Typically, higher rates are offered for longer terms.
• Minimum deposit: Confirm that you can meet the required initial balance.
• Penalties: Understand the costs associated with early withdrawal before maturity.
• Deposit insurance: Confirm that the financial institution is insured by The Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Administration (NCUA) to safeguard your funds.

Digital financial institutions often promote the most attractive CD returns; however, it's crucial to grasp the minimum deposit stipulations and any related service charges. Choosing a direct bank over an intermediary might occasionally help you sidestep superfluous expenses.

Explore the services provided by digital financial institutions

Companies specializing in financial technology and digital banking typically provide more favorable interest rates compared to major, established banks. Major banking corporations earn their profits through the interest collected on loans, various service charges, and their holdings in securities.

Conversely, smaller financial institutions and digital financial technology firms draw in clients by offering appealing annual percentage yields on savings. Furthermore, internet-based banks incur reduced operational expenses, enabling them to provide more favorable interest rates for deposits.

Set up a CD ladder

CD ladders are an excellent choice for individuals who wish to avoid committing their money for extended durations. By distributing savings among certificates of deposit with different expiration dates, you can benefit from both immediate availability and superior interest rates over the long haul.

Begin by allocating $3,000 across three Certificates of Deposit with staggered maturity dates: one for 1 year, one for 2 years, and one for 3 years. When each CD matures, redeploy the principal and any earned interest into a fresh 3-year CD. This approach ensures you can access your funds annually, along with the interest that has accrued.

Comprehend the various types of CDs

There are several types of CDs available to cater to different financial needs:

• Brokered CDs are acquired and traded via brokerage accounts instead of directly from financial institutions. They frequently offer superior APYs because they originate from banks and are subsequently distributed to brokerages.
• Callable CDs feature is incorporated, enabling the issuing entity to end the CD prior to its scheduled maturity. Should this provision be enacted, investors will be reimbursed their principal sum along with any interest accumulated until the redemption date.
• Bump-up CDs let you ask for a better APY should interest rates go up after you've opened the account. Usually, you're able to change the rate one or two times while the CD is active.
• No-penalty CDs early withdrawals prior to the maturity date won't incur penalties. This particular kind is encountered less frequently and might provide reduced annual percentage yields when contrasted with standard certificates of deposit.
• Jumbo CDs necessitate a considerable initial deposit, frequently beginning with $100,000 or exceeding that amount. These typically provide greater annual percentage yields compared to regular Certificates of Deposit.
• Variable-rate CDs feature an annual percentage yield that fluctuates based on current interest rate conditions. These certificates of deposit involve greater risk compared to standard CDs, as a drop in interest rates before their maturity date could lead to a reduced return.

A series focusing on daily CD rates, developed by ex-Coins2Day editor Cassie Bottorff. This particular installment has been revised by Glen Luke Flanagan, the Editor for Evergreen Content.