With promotional 6- and 8-month CD terms currently available, customers in Boca Raton, Fla. are eligible for Ocean Bank’s highest available CD rate for a 6-month term at 4.80% APY.

Skyla Credit Union: Up to 4.40% APY A regular 2-year CD at Skyla Credit Union earns a competitive 3.90% APY. A jumbo version of this account, which requires $100,000 to get started, earns 4.00% APY.

Lock in today's best rates in decades on certificates of deposits on a range of CD terms — from 6 months to 5 years.

Best CD Rates This Week: Take Advantage of the Fed's Rate Cut While You Can Rates are on the way down so the sooner you act, the more you could stand to earn.

Best CD Rates This Week: Act Now to Take Advantage of the Fed's Rate Pause APYs are slipping so lock in a high one while you still can.

For example, you might open a 5-year CD now, a 4-year CD next year and a 3-year CD the year after that. Then, in 2030, you'll have the returns of all three CDs to use to your advantage.

So, for example, it makes sense to consider a 3-month CD, a 6-month CD or a 9-month CD. For short-term CD accounts, Pedersen says CD rates are around 4%. Find out what CD rates you could lock in now.