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Best CDs Right Now: Top High-Yield Certificate of Deposit Rates in 2025

Certificates of Deposit (CDs) are a secure and predictable way to grow your savings. Unlike stocks or bonds, CDs offer guaranteed returns, making them ideal for conservative investors or those nearing retirement. As of March 2025, the best CD rates are being offered by a mix of traditional banks, online banks, and credit unions. These institutions provide varying terms, from 3-month CDs to 5-year CDs, each with its own advantages depending on your financial strategy.

Top CD Rates Available Today

Below is a comparison of the leading CD rates as of March 2025. These rates are sourced from reputable financial institutions and are subject to change based on market conditions.

Financial Institution	Term	APY	Minimum Deposit
Ally Bank	12 Months	5.25%	$1,000
Marcus by Goldman Sachs	18 Months	5.10%	$500
Synchrony Bank	24 Months	4.90%	$2,000
Discover Bank	36 Months	4.75%	$2,500
Capital One	60 Months	4.50%	$1,000

Factors to Consider When Choosing a CD

While the interest rate is a critical factor, other elements should influence your decision. Here are some key considerations:

Term Length: Shorter terms offer flexibility, while longer terms typically provide higher yields.
Early Withdrawal Penalties: Most banks charge a fee if you withdraw funds before the CD matures.
Minimum Deposit Requirements: Some CDs require a higher initial deposit to qualify for the best rates.
FDIC Insurance: Ensure the bank is FDIC-insured to protect your investment up to $250,000.

Online Banks vs. Traditional Banks

Online banks often offer higher CD rates compared to traditional brick-and-mortar banks due to lower overhead costs. However, traditional banks may provide additional services like in-person customer support. Weighing the pros and cons of each can help you decide which option aligns with your needs.

References

For more information on current CD rates, visit the official websites of the mentioned institutions:

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