Best Cd Rates Today 2025. Below, you can find the best cd rates from financial institutions anyone can apply for. The best cd rates above 5% apy have dried up, and promotional cd rates have dropped below that threshold too.

The best cds currently range from 5.05% to 5.75% — with some promo rates as high as 7.50% — which is higher than average compared with the last. But don’t worry — anyone is eligible to join these credit unions and open cds.