Best Cd Rates July 2025. By shopping our daily ranking of the best cd rates, you can choose from dozens of options that pay 5% or better on terms lasting until 2025, or in the 4% range for cd rate locks. Cd rates depend on the bank and the length of the cd.
With a projected median federal funds rate of 2.9% by the end of 2025โ2 percentage points lower than 2024โsavers should brace themselves for potential declines in. Currently, the best cd rates range from 4.30 percent apy to 5.25 percent apy.