Average CD rates. Because APYs represent the yield you’ll earn for a year, CD terms shorter than 12 months typically have lower returns. Right now, short-term CDs have higher APYs than most long ...

Certificates of deposit (CDs) can be a great method to save money for the future. Learn about PenFed CD rates, and see if they’re a good fit for your finances.

Synchrony offers a standard range of CD terms: three months to five years. In addition to high-yield CDs, the bank has an 11-month no-penalty CD and a 2-year bump-rate (or “ bump-up ”) CD.

Discover Bank offers strong CDs with a broad range of term lengths, up to 10 years. There is no minimum deposit required, after the bank removed its previous $2,500 requirement in October 2024.