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CD rates today, April 18, 2025
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CD rates today, April 18, 2025

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          🞛 This publication is a summary or evaluation of another publication 🞛 This publication contains editorial commentary or bias from the source
We've rounded up today's highest available CD rates, many of which are above 4%
The article from Fortune, published on April 18, 2023, discusses the current state of Certificate of Deposit (CD) rates, highlighting that the average rate for a 1-year CD has reached 1.67%, the highest since May 2009, while the average 5-year CD rate stands at 1.25%. It notes that the Federal Reserve's interest rate hikes have contributed to these increases, with the Fed having raised rates nine times since March 2022, pushing the federal funds rate to a range of 4.75% to 5%. The article also mentions that some online banks and credit unions are offering significantly higher rates, with examples like CFG Bank offering a 5.28% APY for a 1-year CD and Credit Human providing a 5.5% APY for a 2-year term. It advises consumers to shop around for the best rates and consider the trade-offs between higher rates and the need for liquidity, as CDs require funds to be locked in for a set period.

Read the Full Fortune Article at:
[ https://fortune.com/article/cd-rates-4-18-25/ ]