The national average APY is 2.41%, compared to 2.44% last week. Rates on 12-month CDs have fallen recently, but only slightly. Some one-year CDs offer even better returns than longer-term CDs, such as those maturing in four or five years. If you’re open to setting aside savings for a bit longer, you can earn even better rates. You’d earn around $600 in interest if you put $25,000 in a six-month CD with a 4.88% APY. But you may be able to find better deals by shopping around. The current top national rate for a 6-month CD is 4.88% APY, according to the data available from Bankrate’s database. ![]() The best six-month CDs come with a winning combination of strong interest rates and a short-term commitment. The national average rate was 1.41% as of April 12, 2023, the latest data available, down from last month. ![]() Rates on three-month CDs have decreased slightly recently.
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