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Fees: No monthly or opening at some online banks.
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Current CD Rates for October 1, 2024: Secure Up to 5.10% APYCurrent 3-year CD rates � SchoolsFirst Federal Credit Union � % APY � America First Credit Union � % APY � Limelight Bank � % APY � Synchrony Bank �. The best CD rates today are mostly in the mid-4% for one-year terms and in the mid-3% for three- to five-year terms. The best CD rates range from percent APY to percent APY. This top rate is offered by Amerant for a 6-month term, and is roughly three times higher.