CDs Also Paying Up to 4% APY
Certificates of deposit (CDs) are also paying up to 4% APY right now [https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-wednesday-march-11-2026-100020232.html].
The top CD rates are around 4% APY for terms ranging from three months to five years. Some credit unions and online banks offer these competitive rates. Consider shorter-term CDs if you anticipate interest rates rising. This allows you to reinvest at a higher rate when the CD matures. Longer-term CDs can lock in a good rate if you believe rates will fall. However, you'll face penalties for early withdrawal if you need the money. CDs are generally considered a safe investment. They are FDIC-insured up to $250,000 per depositor, per insured bank.
