Best CD rates today, October 13, 2025 (Lock in up to 4.25% APY)

Core Insights - Today's CD rates are significantly higher than the national average, influenced by the Federal Reserve's recent interest rate cuts [1][3] - The highest CD rate currently available is 4.4% APY, offered by LendingClub for an 8-month term [2] - National average CD rates are at 1.70% for a 1-year term, marking some of the highest rates seen in nearly two decades due to the Fed's inflation control measures [3] Best CD Rates - As of October 13, 2025, the top CD rate is 4.4% APY from LendingClub [2] - Online banks and credit unions typically provide more competitive rates compared to traditional banks [3] Finding the Best CD Rates - It is advisable to shop around and compare CD rates from various financial institutions [4] - Online banks often offer higher interest rates due to lower overhead costs [4] - Consider minimum deposit requirements and review account terms for flexibility, such as no-penalty CDs [4]