Jack Caporal is the Research Director for The Motley Fool and has worked full-time for the company since 2021. His research focuses on uncovering and analyzing trends that shape personal financial ...

Historical CD rates have risen and fallen in line with ... forcing the Fed to raise rates dramatically. In Oct. 2023, average rates on the 3-month CD hit 5.46%, their highest in roughly 16 years.

The graph below uses historical FDIC data to display national average rates on CDs from 2009 to 2023 and highlights how CD rates responded to changes in central bank policies, inflation rates and ...

Average CD rates remain modest ... 5.00% APY and even higher—CD rates are still elevated when compared to historical levels. Look for the highest CD rates today through FDIC-insured banks ...

(See more details about historical CD rates to see more context.) High-yield CD rates today can be several times the national average of 1.34% APY for five-year terms and the national average of 1 ...

Here’s a look at some of the best no-penalty CD rates. APY research methodology: Annual percentage yields, meaning the rates of return, are current on this page as of the publication date.

But, a certificate of deposit (CD) can help. That's because ... There's a big difference between national average savings rates and the top interest rates available. In part, that's because ...

The average annual percentage yield for a 12-month CD dropped two basis points this month to 1.78%, according to the FDIC. That said, some CDs are bucking the trend: “The best-yielding CDs offer ...

According to the Federal Deposit Insurance Corporation (FDIC), the national average deposit rate for a 2-year CD is only 1.48%. However, many financial institutions’ best 2-year CD rates average ...

“CD rates should remain relatively stable through April as the Fed is unlikely to cut rates by then. The Fed will likely hold interest rates fairly steady until inflation is under control. April could ...

Factors Affecting TD Bank CD Interest Analyzing historical CD rates can ... aren't competitive and pay less than average CDs. TD Bank realtionship bump rates are higher than average CD rates ...