Best CD Rates Today (Nov 25, 2025): Earn Up to 4.1% APY

Top certificate of deposit (CD) yields have climbed, with some online and regional banks advertising rates up to 4.1% APY as of Nov. 25, 2025. These elevated offers reflect higher short-term market yields and competition among institutions eager to attract deposits. For savers seeking a low-risk place to park cash, CDs remain an attractive option—particularly when you lock in rates at the right term.

Online banks and specialty lenders typically post the most competitive CD rates because they have lower overhead than brick-and-mortar institutions. Major digital providers such as Ally Bank, Marcus by Goldman Sachs, Discover, Synchrony and several regional players are commonly among the top payers. Rates vary by term length: shorter CDs (3–6 months) often trail longer terms (1–5 years) when market expectations favor rising yields, while promotional short-term offers sometimes match longer-term APYs.

Before opening a CD, confirm that the account is FDIC-insured (or NCUA-insured for credit unions) and understand early-withdrawal penalties, which can erode returns if you need funds before maturity. Also compare compounding frequency, minimum deposit requirements and whether the rate is guaranteed for the full term or subject to promotional conditions.

Many savers use a laddering strategy—splitting cash across staggered maturities—to maintain liquidity while capturing higher rates over time. For example, a five-rung ladder with annual maturities lets you reinvest each year at prevailing rates, reducing the timing risk of locking everything at once.

If you expect rates to fall, locking a 1- to 3-year CD at today’s 4.1% may make sense; if you anticipate further increases, shorter CDs or a ladder provide flexibility. Always compare effective APY, fees and the institution’s terms rather than headline rates alone.

To find the best current offers, check reputable rate aggregators and bank websites, confirm insurance coverage, and read the fine print. With savings rates notably higher than a year ago, now can be a favorable window to secure a competitive CD yield while maintaining the safety of insured deposits.