Best Cd Rates September 2025. There is no minimum opening deposit required. When you’re ready to open a cd, compare the best terms and rates among local credit unions and banks to find the right fit for your savings.

Currently, the best cd rates range from 4.30 percent apy to 5.00 percent apy. Interest rates on cds have surged since 2022, closely following the lead of fed interest rate hikes.