If you’re looking for a safe way to grow your savings with guaranteed returns, Certificates of Deposit (CDs) remain one of the best options in 2025. With interest rates still at competitive levels, now is the perfect time to lock in a high CD rate before the Federal Reserve begins cutting rates.
Why CDs Are a Smart Choice in 2025
CDs offer a fixed interest rate for a set period, protecting you from market volatility. Unlike savings accounts, which may lower their APYs when interest rates fall, CDs give you the advantage of locking in today’s rate for the full term. This makes them a great choice if you want predictable growth without risk.
Top CD Rates Available Right Now (September 2025)
Here are some of the best CD rates currently on the market, with terms ranging from short-term flexibility to long-term security:
- Barclays Online CD – 12-month term, 4.40% APY
- Synchrony Bank – 18-month term, 4.35% APY
- Ally Bank – 12-month High Yield CD, 4.30% APY
- Marcus by Goldman Sachs – 24-month term, 4.25% APY
- Capital One 360 CD – 12-month term, 4.20% APY
(Rates accurate as of September 4, 2025. Always confirm with the bank before opening an account.)
How to Choose the Right CD
When picking a CD, consider:
- Your timeline – Don’t lock money you might need soon.
- APY vs. term length – Higher rates often come with longer commitments.
- Early withdrawal penalties – Know the costs if you need funds early.
Pro Tip: Ladder Your CDs
If you’re worried about tying up your money, consider a CD ladder strategy. This involves opening CDs with different maturity dates, so you’ll have access to funds at regular intervals while still enjoying higher APYs.
Final Thoughts
With today’s best CD rates reaching up to 4.4% APY, this is one of the best opportunities to secure guaranteed returns on your savings. If you’re sitting on cash in a low-yield account, moving it into a CD could help you grow your wealth safely through the rest of 2025.