As of July 15, 2024, the average interest rate for a 12-month CD in the U.S. stood at 1.85%, according to the Federal Deposit Insurance Corp. By comparison, interest rates for some 12-month CDs ...

The value at maturity for a one-year CD with the national average APY would be $5,087.50if you deposit $5,000. However, if you deposit $5,000 into a one-year CD earning 4.40% APY -- the top APY ...

CD interest rates range from 0.23% for a 1-month CD to 1.32% on a 5-year CD, according to December 2024 data from the FDIC. So, technically, any CD rate over that mark would be considered a good ...