Best Insured Cd Rates 2025. Account holders can earn 4.84% apy with a minimum deposit of $25,000 required. Today’s best cd rates and reviews of the 10 banks offering the best cd rates for 2025, including bread savings, ally bank and synchrony.

To identify the best cd rates, wallethub’s editors regularly compare over 950 certificates of deposits from leading financial institutions based on apy, fees and minimum deposit requirements. Everbank basic cd — 3.95% apy.