<!–> –> Key Takeways <!–> –> <!–> Today’s top CDs offer APYs up to 4.75%.APYs are on the way down following Fed rate cuts.Opening a CD now allows you to lock in a high APY and protect your earnings from additional rate cuts. –> <!–> –> If you’ve been thinking about opening a CD, now’s the time to act.Annual percentage yields, or APYs have been on the way down since the Federal Reserve cut interest rates at its last two meetings. And with another rate cut on the table for…