Forecasted Cd Rates 2025. Now could be a good time to open a cd to lock in a competitive apy before rates fall further. As of today, the best interest rates on cds—certificates of deposit—pay up to 5.39%, based on certificate term lengths.

Though no rate is set in stone, the outlook for cd rates in 2025 might not be looking up. Cd rates available today are well above historical norms.