Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the national average rates.  CD ladders let you leverage high rates without locking up all of your money long-term.

Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

Banking in 2025 resembled a year on the Florida coast. Much of the first half of the year remained calm, quiet and balmy, with consumers enjoying steady, relatively high yields on their