The best CD rates of July 2025 are as high as 4.50% APY, which is available on brokered two- and five-year CDs from Vanguard., The best CD rates earn you up to 4.50%, allowing you to outpace inflation and reach your savings goal fast. See our top picks., Best CD Accounts, selected by WalletHub's editors for their ability to meet different consumer needs. Compare & Apply at WalletHub., Offering 4.33% APY, this account is a smart pick for low-risk savers with at least $1,000 to deposit. The Federal Reserve has lowered interest rates by a full percentage point over the last year, making now a smart time to lock in a high APY before CD rates potentially decline. Read on to see the best CD rates today., Earn up to 4.55% APY with short-term CDs. With potential Fed cuts ahead, now could be the perfect time to lock in a great rate on your savings., The leading CD rate is 4.60%, available for a 6-month certificate. Savers can also choose one of 13 other CDs promising 4.50% or more for up to 21 months..