Best Cd Rates Now 2025. Right now, the best cd rate is 6.00% apy. Sallie mae offers the best range of cd rates in 2025, according to our exhaustive analysis of hundreds of banks.
The best cd rates right now range from 5.40% to 6.00% apy on terms of 3 to 12 months. The nation’s best cd rates are 6.00% for 10 months, 5.51% for 3 or 6 months, and 5.50% on varying terms between 3 and 9 months.