Key Takeaways Today’s best CDs offer APYs up to 4.75% — more than double the national average for some terms. APYs have been falling since the Fed cut interest rates in September, and they’re likely to keep falling in the coming months. Opening a CD now allows you to lock in a high APY and boost your earning potential. If you’ve been thinking of opening a certificate of deposit, now’s the time to act. CD rates are falling fast, and the longer you wait to open a CD, the lower…
