Core Insights - The Federal Reserve has cut its federal funds rate three times in 2025, making it a critical time for investors to lock in competitive CD rates before potential further declines [1] - The highest CD rate currently available is 4% APY, offered by Marcus by Goldman Sachs for a one-year CD as of January 17, 2026 [2] CD Rates Overview - Best CD rates are generally found in shorter terms of around one year or less, with online banks and credit unions leading in competitive offers [2] - The amount of interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [2] Interest Earnings Examples - An investment of $1,000 in a one-year CD with 1.63% APY would yield a total balance of $1,016.42 after one year, including $16.42 in interest [3] - Conversely, a one-year CD with a 4% APY would result in a total balance of $1,040.74, yielding $40.74 in interest [3] Deposit Impact on Earnings - A deposit of $10,000 in a one-year CD at 4% APY would grow to $10,407.42 at maturity, resulting in $407.42 in interest earned [4] Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [4] - No-penalty CDs permit early withdrawal without penalties, providing more flexibility [4] - Jumbo CDs require higher minimum deposits (typically $100,000 or more) and may offer higher interest rates, though the difference from traditional CDs may be minimal in the current environment [4] - Brokered CDs are purchased through a brokerage and may offer higher rates or flexible terms, but they carry more risk and may not be FDIC-insured [4]

Group 1 - The highest CD rate available as of December 28, 2025, is 4.1% APY, offered by Sallie Mae Bank on its 15-month CD and Synchrony Bank on its 9-month CD [2] - Historically, longer-term CDs offered higher interest rates, but currently, shorter-term CDs are providing better rates due to the economic climate [2] - The interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and the frequency of compounding [3] Group 2 - An investment of $1,000 in a one-year CD with 1.63% APY would yield a total balance of $1,016.42 after one year, while a 4% APY would result in a balance of $1,040.74 [4] - A deposit of $10,000 in a one-year CD at 4% APY would grow to $10,407.42, earning $407.42 in interest [5] - Different types of CDs include Bump-up CDs, No-penalty CDs, Jumbo CDs, and Brokered CDs, each offering unique benefits and varying interest rates [5]

Core Insights - The current economic climate has led to shorter-term CDs offering higher interest rates compared to longer-term CDs, which is a reversal of historical trends [2] Group 1: CD Rates Overview - As of November 16, 2025, the highest CD rate available is 4.1% APY, offered by Marcus by Goldman Sachs on a 14-month CD, Sallie Mae on a 15-month CD, and Synchrony on a 9-month CD [2] - The amount of interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and the frequency of interest compounding [3] Group 2: Interest Earnings Examples - Investing $1,000 in a one-year CD with 1.7% APY results in a total balance of $1,017.13 after one year, while a 4% APY would yield a balance of $1,040.74 [4] - A deposit of $10,000 in a one-year CD at 4% APY would grow to $10,407.42, earning $407.42 in interest [5] Group 3: Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [5] - No-penalty CDs permit early withdrawal without penalties, providing more liquidity [5] - Jumbo CDs require a higher minimum deposit, typically $100,000 or more, and may offer higher interest rates, though the difference may be minimal in the current environment [5] - Brokered CDs are purchased through a brokerage and may offer higher rates or flexible terms, but they carry more risk and may not be FDIC-insured [5]

Core Insights - The current economic climate has led to shorter-term CDs offering higher interest rates compared to longer-term CDs, which is a reversal of historical trends [2] Group 1: CD Rates Overview - As of October 12, 2025, the highest CD rate available is 4.1% APY, offered by Marcus by Goldman Sachs on a 14-month CD [2] - The amount of interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Group 2: Interest Earnings Examples - Investing $1,000 in a one-year CD with 1.70% APY results in a total balance of $1,017.13 after one year, yielding $17.13 in interest [4] - A one-year CD with 4% APY would grow the same $1,000 investment to $1,040.74, resulting in $40.74 in interest [4] - A $10,000 investment in a one-year CD at 4% APY would mature to $10,407.42, earning $407.42 in interest [5] Group 3: Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [5] - No-penalty CDs permit early withdrawal without penalties, providing more flexibility [5] - Jumbo CDs require a higher minimum deposit (typically $100,000 or more) and may offer higher interest rates, though the difference from traditional CDs may be minimal in the current environment [5] - Brokered CDs are purchased through a brokerage and may offer higher rates or flexible terms, but they carry more risk and may not be FDIC-insured [5]

Core Insights - The article discusses the current landscape of certificate of deposit (CD) rates, highlighting the importance of securing competitive rates for savings [1][2]. Group 1: CD Rates Overview - Historically, longer-term CDs offered higher interest rates than shorter-term CDs, but the current economic climate has reversed this trend [2]. - As of September 28, 2025, the highest CD rate available is 4.45% APY, offered by LendingClub for an 8-month CD [2]. Group 2: Interest Earnings from CDs - The interest earned from a CD is determined by the annual percentage rate (APY), which reflects total earnings after one year, factoring in the base interest rate and compounding frequency [3]. - For example, a $1,000 investment in a one-year CD at 1.70% APY would yield a total balance of $1,017.13, while a 4% APY would result in a balance of $1,040.74 [4]. Group 3: Deposit Amount Impact - The amount deposited in a CD directly affects the interest earned; a $10,000 deposit in a one-year CD at 4% APY would grow to $10,407.42, earning $407.42 in interest [5]. Group 4: Types of CDs - Various types of CDs offer different benefits, which may include: - Bump-up CD: Allows for a one-time request for a higher interest rate if bank rates increase during the term [5]. - No-penalty CD: Enables early withdrawal without penalties [5]. - Jumbo CD: Requires a higher minimum deposit (typically $100,000 or more) and may offer higher interest rates [5]. - Brokered CD: Purchased through a brokerage, potentially offering higher rates or flexible terms but with increased risk and possible lack of FDIC insurance [5].

Core Insights - The current economic climate has led to shorter-term CDs offering higher interest rates compared to longer-term CDs, which is a reversal of historical trends [2] Group 1: CD Rates Overview - As of September 21, 2025, the highest CD rate available is 4.45% APY, offered by LendingClub for an 8-month CD [2] - The amount of interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Group 2: Interest Earnings Examples - Investing $1,000 in a one-year CD with 1.70% APY results in a total balance of $1,017.13 after one year, yielding $17.13 in interest [4] - A one-year CD with 4% APY would grow the same $1,000 investment to $1,040.74, resulting in $40.74 in interest [4] - A $10,000 investment in a one-year CD at 4% APY would yield a total balance of $10,407.42, earning $407.42 in interest [5] Group 3: Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [5] - No-penalty CDs permit early withdrawal without penalties, providing more liquidity [5] - Jumbo CDs require a higher minimum deposit, typically $100,000 or more, and may offer higher interest rates, though the difference may be minimal in the current environment [5] - Brokered CDs are purchased through a brokerage and may offer higher rates or flexible terms, but they carry more risk and may not be FDIC-insured [5]