CD rates today, January 31, 2025 (up to 4.35% APY return)

Written by Emily J. Thompson, Senior Investment Analyst

Source: Yahoo Finance

Updated: Jan 31 2025

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Source: Yahoo Finance

CD Rates Overview: Certificate of deposit (CD) rates are currently declining due to the Federal Reserve's rate cuts, but some banks still offer competitive rates, with the highest reaching 4.35% APY for a 13-month CD from Synchrony Bank.
Choosing Financial Institutions: Online banks and credit unions often provide better CD rates due to lower overhead costs and profit-sharing models, making them worthwhile options for those seeking higher interest on their savings.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.

CD rates today, January 31, 2025 (up to 4.35% APY return)

About the author

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