Best CD rates today, Tuesday, August 25, 2026: Lock in up to 4.30% APY today with multiple offers

CD rates today are on the rise, with the best offering a competitive 4.30% APY. Synchrony Bank and Marcus by Goldman Sachs are among the institutions providing these high rates on their CD products. In contrast, CD rates in the early 2000s were significantly higher, around 1% APY for one-year CDs and less than 2% for five-year CDs.

This trend continued in the 2010s, decreasing further due to Federal Reserve's stimulus policies, reaching as low as 0.1% APY for six-month CDs and 0.8% APY for five-year CDs by 2013. However, after the COVID-19 pandemic, inflation drove the Federal Reserve to hike interest rates, leading to a resurgence in CD rates. Despite the recent rate cuts orchestrated by the Federal Reserve, CD rates still remain high by historical standards.