Best CD rates today, September 22, 2025 (Lock in up to 4.45% APY)

Today’s CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate three times in 2024 and recently announced its first rate cut of 2025. This has a ripple effect on deposit account rates, which means now could be your last chance to lock in today's high rates with a certificate of deposit (CD). Here’s a look at today’s best CD rates and where you can find the best offers. Best CD rates today As of September 22, 2025, the the highest CD rate is 4.45% APY. T ...