Top CD Rates of 4.15% APY Available Now

As of December 11, 2025, the highest CD rate is 4.15% APY offered by United Fidelity Bank on its 18-month CD and First National Bank of America on its 7-month CD. CD rates have been declining since last year's Federal Reserve rate cuts, but online banks offer competitive rates of 4% APY and up. The Federal Reserve may cut rates further in 2026, so now may be a good time to lock in today's best rates by opening a CD account. To do so, research CD rates, choose an account that meets your needs, and evaluate the CD's term length, minimum deposit requirements, and fees.