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The best CD rates of 2025 are as high as 4.65% APY, offered by CommunityWide Federal Credit Union on a 6-month certificate. But from March 2022 to July 2023, the Federal Reserve raised interest rates 11 times, and by September 2023, the average APY for a 1-year CD shot up to 1.78% — and some of the best CD rates. The best CD rates of 2025 are as high as 4.65% APY, offered by CommunityWide Federal Credit Union on a 6-month certificate.
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What Do Rising CD Rates Mean For You (2023). However, you can still get a good CD rate by choosing a CD term and then shopping around for the best rates for your desired timeline But from March 2022 to July 2023, the Federal Reserve raised interest rates 11 times, and by September 2023, the average APY for a 1-year CD shot up to 1.78% — and some of the best CD rates.