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2ajlWdRJiOiIXZklmdvJHcisHLi02bj5iMqNHahJWbsJyWs0VfiIzciojIsJXVldWYQJCLiEzciojIElEViwiI5Vmbv1UeCNHZBJiOiIXZklmdvJHcisHLi8icw9yZy9mLlRXYj9mdkF2cyVWb1NnbvNmIbxSX9JiMjJiOiwmcVV2ZhBlIsISMjJiOiQUSUJCLigXYUBSblhGduFkI6IiclRWa29mcwJyesISbvNmLzdXblhGduFmIbxSX9JSZjJXdvN3XtRXdiojIsJXVldWYQJCLiQWafdmbpt2YhJHdiojIElEViwiIkV3bsNEI05WZtlXYQJiOiIXZklmdvJHcisHLi02bj5yYulGZ19GbjRnbl1WehBnIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLiMHduVWb5FGUggGdy9mTiojIyVGZpZ3byBnI7xiIt92YugGdy9mbuMHduVWb5FGcisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiI5RnbhJnchdFIl12bIBibhNWayVWbBBCdzJXaGJiOiIXZklmdvJHcisHLi02bj5yayR3cxkjZisFLd1nIlx2YpRnch5yZhRnI6ICbyVVZnFGUiwiIklmY1NnLnFGdiojIElEViwiIu9WaMlXZu9WTiojIyVGZpZ3byBnI7xiIt92Yu42bpxWel52btxXbvNmLu9WaslXZu9WbuMnclZmZvxXbvNmLsFWaj5WYulmZuVmdl5ycyVmZm9mIbxSX9JSb1lGZl12XtRXdiojIsJXVldWYQJCLi42ZpFGctF2Yf1Gd1JiOiQUSUJCLiU2ZhRnbhZHZBVmbPJXYlx2QiojIyVGZpZ3byBnI7xiIt92YuU2ZhRnbhZHZhVmbvJXYlx2YisFLd1nIklGdkF2XWRUQTJkUGJiOiQUSUJCLi8WauQncvh2UiojIyVGZpZ3byBnI7xiIvMXduAHdr1GfwYzMl52bsFGdpBXYj9yc15Cc0tWb81GctQXZlh2c0JXYtN3LzVnLwR3atxHbhJHduV2Yn5Way9yc15Cc0tWb8hXaulmRvMXduAHdr1GfvJHdzlmYoNWdvR3LzVnLwR3atx3byVGevMXduAHdr1GfklWYQNXdvlmcvR3YpZ1LzVnLwR3atxXehBnbv9yc15Cc0tWb8hnZiV2dvMXduAHdr1Gfsx2bylXYwdmbpxGcwlmcvMXduAHdr1Gfyh2ZulGbwBXay9yc15Cc0tWbisFLd1nIklWLiV3ciojIElEViwiIlRXYytmbhJkI6IiclRWa29mcwJyesISbvNmLlRXYytmbhJmIbxSX9JyMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsISZ09WdxR3YlxWZTJiOiIXZklmdvJHcisHLi02bj5yayR3cpJmIbxSX9JiMklmY1NnI6ICbyVVZnFGUiwiIxQWaiV3ciojIElEViwiIsFGduVGRgQXaylGcTJiOiIXZklmdvJHcisHLi02bj5CbhRnblRGdpJXawNnIbxSX9JSMzJiOiwmcVV2ZhBlIsIiMzJiOiQUSUJCLiUWZyR1ZulGZuVGTiojIyVGZpZ3byBnI7xiIt92YuUWZyR3ZulGZuVGbisFLd1nIudWahBXbhN2XtRXdiojIElEViwiIlNmcvZkcld3cuFkI6IiclRWa29mcwJyesISbvNmLlNmcvZmcld3cuFmIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsICdjVmbu92QyV2dz5WQiojIyVGZpZ3byBnI7xiIt92YuQ3Yl5mbvNmcld3cuFmIbxSX9JiMiV3ciojIsJXVldWYQJCLiQjY1NnI6ICRJRlIsISZmlGTgIXZu5WYCJiOiIXZklmdvJHcisHLi02bj5yayRHamJGbisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiI0l2ZpJnQiojIyVGZpZ3byBnI7xiIt92Yusmc0lHdlpWOiJyWs0VfiQWaf1Gd1JiOiQUSUJCLiYWZpxWZSBCehRFIzNXZyRncvZkI6IiclRWa29mcwJyesISbvNmLzNXZyRncvZGehRnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLi8WasVWTiojIyVGZpZ3byBnI7xiIt92YuMHduVWb5FGcvlGbl1mIbxSX9Jicl5mbhJ2XtRXdiojIElEViwiIt92YukXYk52bNJiOiIXZklmdvJHcisHLi02bj5SehRmbv1mIbxSX9JCZpBHel1Gd191cj1mcjJiOiQUSUJCLi42bpRXYuV2Yp9mViojIyVGZpZ3byBnI7xiIt92Yu42bpRXYuV2Yp9mdisFLd1nIklGc4VWb0V3XzNWbyNmI6ICRJRlIsISeu5WZwlXZu9WTiojIyVGZpZ3byBnI7xiIt92YuknbuVGc5Vmbv1mIbxSX9JCduVGdu92Yf1Gd1JiOiwmcVV2ZhBlIsICZpt2Ypx2YiojIElEViwiIsFmcl5WZnBCZuFGIsF2ZlxkI6IiclRWa29mcwJyesISbvNmLhNWayVWbhdGbisFLd1nIkJ3bXlXZLJiOiQUSUJCLiUGZhJHdFJiOiIXZklmdvJHcisHLi02bj5SZkFmc0VmIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUmdpJHZlBXaQJiOiIXZklmdvJHcisHLi02bj5SZ2lmckVGcpBnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUmchNGa0xWYlhEZlRXauVlI6IiclRWa29mcwJyesISbvNmLl52boVnIbxSX9JSMrNWYyR3XmZWYiojIElEViwiI0FGaUBCaj5WdhxkI6IiclRWa29mcwJyesIyLt92YuM3b0NXZiNXY89yZy9mLlNWa09mbyVWb1NnbvNmIbxSX9JSZjJ3bmNXZsF2UiojIyVGZpZ3byBnI7xiIt92YuU2Yy9mZzVGbhNnIbxSX9JCZpt2Ypx2YiojIElEViwiI5VmbyV3bqBiclJXdz5WagQXZwJiOiIXZklmdvJHcisHLi02bj5yclJmcvZmLy92cpZHZh5SZj5WYyV3culGdlBHft92YuMXZiJ3bm5icvNXa2RWYuQXZwJyWs0VfigXaulmZiojIyVGZpZ3byBnI7xiIt92YugXaulmZisFLd1nIxEGdhRmI6ICRJRlIsIyZulGdz9GSgITQgIiOiIXZklmdvJHcisHLi02bj5yZulGdz9GayEmIbxSX9JiMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsICZs92RgkHdpJ3bpJHUiojIyVGZpZ3byBnI7xiIt92Yuw2cqlDZrNWZisFLd1nIldWYwJiOiwmcVV2ZhBlIsICZpRnI6ICRJRlIsICdzV2VxIiOiIXZklmdvJHcisHLi02bj5CdzV2dxIyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiIzdmbpxWaGBCdml3dTJiOiIXZklmdvJHcisHLi02bj5ycn5mZ0Z2cisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiItJXZ09Vb0VnI6ICRJRlIsISekJXYBJiOiIXZklmdvJHcisHLi02bj5SekJXYhJyWs0VfikkRMVkI6IiclRWa29mcwJyesISbvNmLpZGblJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIkl2XiV3ciojIElEViwiIldWYyVmdvN0cy9GdpNXaWJiOiIXZklmdvJHcisHLi02bj5SZnFmclZ3bjNncvRXazlmdisFLd1nIkl2XlZXa0FWZyNmI6ICbyVVZnFGUiwiIkl2XiV3cfJXZuRnchBnI6ICRJRlIsISbvNmLlJXYjhGdsFWZIJiOiIXZklmdvJHcisHLi02bj5SZyF2YoRHbhVGaisFLd1nIxQWaiV3ciojIsJXVldWYQJCLiQUSUJiOiQUSUJCLikXZuJXdvpEIlNmbhJXdz5WSgwWZ2FmcUBSLgU2ZhJXZ292QgUmchBXbvNkI6IiclRWa29mcwJyesISbvNmLldWYyVmdvNWZyFGct92YuwWZ2Fmc0JyWs0Vfi42ZpFGctF2Yf1Gd1JiOiQUSUJCLiMncl5mcvNEIuVmdlNlI6IiclRWa29mcwJyesISbvNmLzJXZuJ3bj5WZ2V2cisFLd1nI1MnI6ICbyVVZnFGUiwiIyMnI6ICRJRlIsICZsVWaoNFIl12bIBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5CehJHdzhWYisFLd1nIkl2XiV3ciojIElEViwiI05WahNFI0lGZlJ3QiojIyVGZpZ3byBnI7xiIt92YuQnbpF2c0lGZlJ3YisFLd1nI05WZjNXQiojIyVGZpZ3byBnI7xiIt92YucmbpRmb1ZGduV2YzFGft92YuMnbh9Gb05WZkVHdzRnblN2chJyWs0VfiEjY1NnI6ICbyVVZnFGUiwiIkl2XrNWasNmI6ICRJRlIsICbhl2YuFmbpZEdyFWbTJiOiIXZklmdvJHcisHLi02bj5Cbhl2YuFmbpZGdyFWbzJyWs0VfiQWasN2ZiojIElEViwiITFURiojIyVGZpZ3byBnI7xiIt92YuQncvB3cuFmc0lXakJyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiI0JWZEBSZsBXbpNlI6IiclRWa29mcwJyesICdl5mL0JWZkVGbw1WazJyWs0Vfi42bpxGb1JEIuF2YpJXZtFkI6IiclRWa29mcwJyesISbvNmLu9WasxWdi5WYjlmcl1WY812bj5SZ0FWaslmZmFGZs92ZiFmIbxSX9JiMzJiOiQUSUJCLiMHduV2ZBBCdjVmcpRkI6IiclRWa29mcwJyesISbvNmLyA3crJHdisFLd1nItJXZ09Vb0VnI6ICRJRlIsISehdHdu9WTiojIyVGZpZ3byBnI7xiIt92YukXY3Rnbv1mIbxSX9JCZp9lY1NnI6ICRJRlIsISYwJXZoNlI6IiclRWa29mcwJyesIyLt92YuQncvB3cuFmc09Gd1FWYwJXZoNnIbxSX9JiY1N3XmZWYiojIElEViwiIldWYnRncv1EI0V2aj9mUiojIyVGZpZ3byBnI7xiIv02bj5SZnF2Z0J3btRXZrN2byJyWs0VfiETY0FGZiojIElEViwiIl1kLlRWaIJiOiIXZklmdvJHcisHLi8SZt5SZklGaisFLd1nIxIWdzJiOiQUSUJCLiYkVNJiOiIXZklmdvJHcisHLi8Cbu5Sarl2dwBXYisFLd1nIxIWdzJiOiwmcVV2ZhBlIsIiMiV3ciojIElEViwiIldWYnRncv1EIhhWYt9EIm9GIsFWd0VXTiojIyVGZpZ3byBnI7xiIv02bj5yayRXOmhmMtJyWs0Vfi0mclR3XtRXdiojIElEViwiIVJjI6IiclRWa29mcwJyesISbvNnLzV2cyV3bjRncvh2ctUmbpxmbvx3a15yYh5SZzxmLzV2cyV3bjVGdhNWamlGdyV2Yl5Was52b812bj5iclRnch12c0V2Z8F2Yu42b0VGbyF2YuAXbhNGdv9mY8F2Yu8Gdu9mcvRXdu4mchVGbuAXbhNGdv9mY8tWduMWYu0WYodmbp1mcpJmLw1WYjR3bvJGf41mLjVGduAXbhNGdv9mY8VHZl5iKuAXbhNGdv9mYisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiItJXZ09Vb0VnI6ICRJRlIsISetVGZhNWQgs2YhR3csxWdGJiOiIXZklmdvJHcisHLi8SbvNmL51WZkF2Yht2YhR3csxWdmJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdsQWarNWasN2Xw1mZiojIElEViwiIuJXYlxWasBXbpNlI6IiclRWa29mcwJyesIyL1RWZuUWdkJXdw5SZulGbu9mLyVmdvN2cpRmLsNXLw1WYjR3bvJmIbxSX9Jyci9mZiojIElEViwiIzJXZmZ2TggXZsZkI6IiclRWa29mcwJyesISbvNmLvJHcztmbpxGelxmZisFLd1nIyIXY2BnI6ICbyVVZnFGUiwiIxIXY2BnI6ICRJRlIsISZ6VWZyJkI6IiclRWa29mcwJyesISbvNmLlpXZlJnY0VWZtJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIkl2Xu9Wa0NWYz5WYyRnI6ICRJRlIsISa6RmblxkI6IiclRWa29mcwJyesISbvNmLppHZuVGbuAHchJyWs0VfiIzdrJiOiwmcVV2ZhBlIsISM3tmI6ICRJRlIsISesZXaUJiOiIXZklmdvJHcisHLi02bj5SesZXa0JyWs0VfiEjY1NnI6ICRJRlIsIydvxmZyVmdFJiOiIXZklmdvJHcisHLi02bj5yayRnMzFWb812bj5icrRHMyYma812bj5SblxGahJWZyZmIbxSX9JiVBxWY09GViojIyVGZpZ3byBnI7xiIt92Yu4Gc2xWY09Gduwmc1xXbvNmL2FGbhR3b05CbyVnIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLigHZyF2QiojIyVGZpZ3byBnI7xiIt92YugHZyF2YisFLd1nIklmY1NnI6ICRJRlIsISY2lGd4VmTiojIyVGZpZ3byBnI7xiIt92YuEmdpRHel5mIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLikHbi1WZzNXQgwWYyVmbldkI6IiclRWa29mcwJyesISes5iYtV2czFGbhJXZuV2ZisFLd1nIklGdiojIElEViwiIlVHbCBCdiVGRiojIyVGZpZ3byBnI7xiIt92YuUWdsJGdiVGZu82ZisFLd1nIyMnI6ICRJRlIsIyZy9mL5RXa15mbBJiOiIXZklmdvJHcisHLi02bj5yajFmc0FWakVGczRWYlxmL0FGa0h2YuVXYsJyWs0VfiUmepJXZuRnchBlI6IiclRWa29mcwJyesIyLrNWasN2LuhmLmJHcisFLd1nIkl2ajlGbj9FctZmI6ICRJRlIsIibyFWZslGbw1WaTJiOiIXZklmdvJHcisHLi02bj5ibyFWZslGbw1WazxXdkVmLoNWZ0xWYj5SZtR3YuAXLnBnIbxSX9JSZnFGciojIsJXVldWYQJCLiQWa0JiOiQUSUJCLiIXZodWYsxWYHJiOiIXZklmdvJHcisHLi02bj5yculWLkVGZkVmYtVGft92YuMWZ05WYtl3cuUWbpR3ajlGbjJyWs0VfiIzciojIElEViwiI4FGVgkHdp5Wdt12bDJiOiIXZklmdvJHcisHLiUWbugXY0NGft92Yusmc0Z3culmIbxSX9JCZpt2Ypx2YiojIElEViwiIzNXZul2c1JGI5xGctl2ciojIyVGZpZ3byBnI7xiIt92YuM3cl5WazVnY5xGctl2cuQXZnx3czVmbpNXdilHbw1Waz5SZ09Wdx5icvNXa2RWYzVmYy9mZisFLd1nIkl2cuFmc05yZhRnI6ICRJRlIsISZj5WYulmRg4WZ2VkI6IiclRWa29mcwJyesIyLyVmb0JXYw9SbvNmLh52bpZmIbxSX9JyYt12XtNmI6ICRJRlIsISe05WYyJXYXByb0VXQgU2YuFmc1RmbFJiOiIXZklmdvJHcisHLi02bj5Se05WYyJXY3V2YuFmc1RmblJyWs0VfiQWatVnI6ICRJRlIsICdjVmavJHUg0WYlJHRg4WYjlmcl1WQiojIyVGZpZ3byBnI7xiIt92YuQ3YlR3byB3b0VXYtFWZyRmbhNWayVWbhJyWs0VfiQnblRnbvN2XtRXdiojIElEViwiIn5WasBHcpJlI6IiclRWa29mcwJyesISbvNmLn5WasBHcpJnLisFLd1nIyQWaiV3ciojIsJXVldWYQJCLiEDZpJWdzJiOiQUSUJCLiMETMBibvlGdh1mcvZkI6IiclRWa29mcwJyesIyYsxmLz52bpRXYtJ3bmJyWs0Vfi42ZpFGctF2Yf1Gd1JiOiQUSUJCLiQmch9mYn5WayB3UiojIyVGZpZ3byBnI7xiIt92YuQmch9mYn5WayB3cisFLd1nI05WZ052bj9Vb0VnI6ICRJRlIsICdvBXZEBCduVWb5FGUiojIyVGZpZ3byBnI7xiIt92YuQ3bwVGZ05WZtlXYw5CdldmIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLigXY0NlI6IiclRWa29mcwJyesISbvNmLzRnbl1WehBHehR3cuQXZnJyWs0VfiEjY1NnI6ICbyVVZnFGUiwiIyIWdzJiOiQUSUJCLiACbhRXawF2QgQ3c1JHVpJiOiIXZklmdvJHcisHLi02bj5CbhRXawF2Y0NXdyRXaisFLd1nIElkY1Nlclh2cpxmY1BlI6ICRJRlIsICdlVmc0NnbpVXUiojIyVGZpZ3byBnI7xiIy9SanN2Lt92YuUHchx2YuMmIbxSX9JiMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsISe2x2bEJiOiIXZklmdvJHcisHLi02bj5yayRHNwYXYwJyWs0Vfi0mclR3XtRXdiojIElEViwiI0lGZlJ3QyoXaCJiOiIXZklmdvJHcisHLi02bj5CdpRWZyNmM6lmYisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiIkl2XmVmcfd2ZhJiOiQUSUJCLiUmdBBSZnVGbs92QiojIyVGZpZ3byBnI7xiIt92YuMnbh9Gb05WZkVHdzVmdhV2ZlxGbvNmIbxSX9JSb1lGZl12XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdiojIElEViwiIkVGdp5WVgMnbhJXZ0VmViojIyVGZpZ3byBnI7xiIt92YuQWZ0lmb1NnbhJXZ0VmdisFLd1nIElUZnFGUiojIsJXVldWYQJCLiQUSz5WYyRnI6ICRJRlIsICbhl2YuFmbpZEIl9mWiojIyVGZpZ3byBnI7xiIt92Yu4WamV2b6JyWs0VfiQWaf52bpN3clN3XzVmYy9mZiojIElEViwiIkJXY6l2dlR3b1FlI6IiclRWa29mcwJyesISbvNmLlNmbhJXdz5WaoRHbhVGarNWawxXbvNmLkJXY6l2dlR3b1FHfv02bj5yclJmcvZmLy92cpZHZh5CZyFmepdXZ09WdxJyWs0VfiIWdz9lZmFmI6ICRJRlIsIyc1lmbldUejlGbvBnI6IiclRWa29mcwJyesIyZy9mLkV3bsNmMvdmLzVXauV2Z5NWas9GcisFLd1nIudWahBXbhN2XtRXdiojIsJXVldWYQJCLi0WdpRWZt9Vb0VnI6ICRJRlIsIybDVGdpJnQiojIyVGZpZ3byBnI7xiIv82YuUGdpJnY892YuUGdpJnYuU2YuFmc1NnbpJyWs0VfiIzciojIElEViwiIl12bIByVSFkI6IiclRWa29mcwJyesISbvNmLzJXZmZ2bl12bodnchJyWs0VfiQWafJWdzJiOiQUSUJCLiU2YuFmbpZEI51kI6IiclRWa29mcwJyesISbvNmLlNmbh5WamlXbisFLd1nIiojIElEViwiIrJ3b3RXZOBCa0xWYlhEI51kI6IiclRWa29mcwJyesISbvNmLuhWetJyWs0VfiIiOiQUSUJCLiU2YuFmbpJkI6IiclRWa29mcwJyesIiLlNmbh5Wai5iIbxSX9JCduVGdu92Yf1Gd1JiOiwmcVV2ZhBlIsISbyVGdf1Gd1JiOiQUSUJCLi02bj5iclRHdlJkI6IiclRWa29mcwJyesISbvNmLyVGd0VmYisFLd1nIklGdiojIElEViwiIlRXYytmbhJkI6IiclRWa29mcwJyesISbvNmL4x2YjJnYisFLd1nIklGdsEzciojIElEViwiIlRXYytmbhJkI6IiclRWa29mcwJyesISOzkDN1cjNy0DZpxWX/sFdv02bj5CesN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Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/tepper/" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}' target="_blank">Taylor Tepper </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Senior Writer, Banking and Investing </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/mbenninger/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg" alt="Michael Benninger" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/mbenninger/" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Michael Benninger</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Managing Editor — Banking </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="regular-template__container"></div></div> <div class="article-wrapper spa-article"> <div class="regular-template__container"> <div class="content-wrapper"> <div class="main-content-wrapper"> <div class="main-content-inner-wrapper"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-ecom-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-ecom-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F&text=CD+Rates+Today%3A+February+27%2C+2025+%26%238211%3B+Rates+Rise" class="article-social-sharing__link article-social-sharing__link--twitter" data-ecom-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F&text=CD+Rates+Today%3A+February+27%2C+2025+%26%238211%3B+Rates+Rise","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F&title=CD+Rates+Today%3A+February+27%2C+2025+%26%238211%3B+Rates+Rise" class="article-social-sharing__link article-social-sharing__link--linkedin" data-ecom-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fbanking%2Fcds%2Fcd-rates-today-02-27-25%2F&title=CD+Rates+Today%3A+February+27%2C+2025+%26%238211%3B+Rates+Rise","clickType":"external"}'></span> </div> <div class="featured-img"> <img decoding="async" fetchpriority="high" srcset="https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2025/01/CD-Rates-5.jpg 1290w, https://thumbor.forbes.com/thumbor/fit-in/960x/https://www.forbes.com/advisor/wp-content/uploads/2025/01/CD-Rates-5.jpg 960w, https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2025/01/CD-Rates-5.jpg 600w" src="https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2025/01/CD-Rates-5.jpg" alt="CD Rates Today: February 27, 2025 &#8211; Rates Rise" height="145px" width="100%"> <span class="media-credit">Getty</span> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <div id="embed-ui-widget-iframe-67c4c579931f1-container" style="width:100%;overflow:hidden;" data-ecom-container='{"componentTitle":"","componentType":"Embed UI Widget"}'> <iframe id="embed-ui-widget-iframe-67c4c579931f1" src="https://www.forbes.com/advisor/widgets/ui/rater-table/banking/?category=CD" frameborder="0" scrolling="no" style="width:100%;border:none;height:0;" onload="this.contentWindow.postMessage({ type: 'embed-ui-widget-iframe-loaded', iframeId: 'embed-ui-widget-iframe-67c4c579931f1' }, window.location.origin);"> </iframe> </div> <div class="highlight highlight-wrapper"> <p><strong>Key Takeaways</strong></p> <ul> <li>Today’s highest CD rate is 5.06% for a jumbo 6-month CD.</li> <li>CD rates from online banks are commonly twice as high as the national average rates.</li> <li>CD ladders let you leverage high rates without locking up all of your money long-term</li> </ul> </div> <p>The best interest rates on CDs – certificates of deposit – range as high as 5.06% today, which is far higher than CD rates were a few years ago. Here’s an overview of the <a href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/"data-ecom-link='{"clickText":"best CD rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>best CD rates</a> for you.</p> <h2>Highest CD Rates Today by Term</h2> <p><iframe id="datawrapper-chart-TAhWp" style="width: 0; min-width: 100% !important; border: none;" title="CD Rates Today" loading= "lazy" src="https://datawrapper.dwcdn.net/TAhWp/3/" height="390" frameborder="0" scrolling="no" aria-label="Table" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); </script></p> <p>A CD is a specific type of <a href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"data-ecom-link='{"clickText":"savings account","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/","clickType":"internal"}'>savings account</a> (known as a time deposit account) that comes with a fixed interest rate and a maturity period. CDs, depending on the yield, typically offer better yields than high-yield savings accounts. The tradeoff is that you can't access your cash until the CD matures, otherwise you'll owe a withdrawal fee. The longer the term, the harsher the early withdrawal penalty. It's not unusual to <a href="https://www.forbes.com/advisor/banking/cds/cd-early-withdrawal-penalty/"data-ecom-link='{"clickText":"lose one full year's worth of interest or more","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-early-withdrawal-penalty\/","clickType":"internal"}'>lose one full year's worth of interest or more</a> if you break open a five-year CD too soon. Be absolutely certain you understand the penalty before you make your investment.</p> <h2>Average CD Rates</h2> <p><iframe id="datawrapper-chart-gHr6b" style="width: 0; min-width: 100% !important; border: none;" title="Historical CD Rates" loading= "lazy" src="https://datawrapper.dwcdn.net/gHr6b/4/" height="495" frameborder="0" scrolling="no" aria-label="Interactive line chart" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); </script></p> <h2>Today's 3-Month CD Rates</h2> <p><a href="https://www.forbes.com/advisor/banking/cds/best-3-month-cd-rates/"data-ecom-link='{"clickText":"Three-month CDs","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-month-cd-rates\/","clickType":"internal"}'>Three-month CDs</a> are a good option for short-term savings goals. The current average rate on a three-month CD sits at 1.3%, but the highest rate is 4.72%. The average rate is unchanged from a week ago.</p> <h2>Today's 6-Month CD Rates</h2> <p>A <a href="https://www.forbes.com/advisor/banking/cds/best-6-month-cd-rates/"data-ecom-link='{"clickText":"six-month CD","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-6-month-cd-rates\/","clickType":"internal"}'>six-month CD</a> offers a nice blend of high yields and short-term time commitment, and the highest yield you can find is 4.94%, about the same as last week. The current average <a href="https://www.forbes.com/advisor/banking/what-is-apy/"data-ecom-link='{"clickText":"APR","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/what-is-apy\/","clickType":"internal"}'>APR</a> for a six-month CD is 1.82%.</p> <h2>Today's 1-Year CD Rates</h2> <p>For a one-year CD, one of the most popular CD terms, the highest interest rate available is 5.02%. That rate hasn't changed much since last week.</p> <p>The average APY, or annual percentage yield, on that CD now stands at 1.87%, unchanged from a week ago.</p> <h2>Today's 2-Year CD Rates</h2> <p>If you can hold out for two years, <a href="https://www.forbes.com/advisor/banking/cds/best-2-year-cd-rates/"data-ecom-link='{"clickText":"24-month CDs","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-2-year-cd-rates\/","clickType":"internal"}'>24-month CDs</a> today are being offered at interest rates as high as 4.52%. That's the same as this time last week.</p> <p>The average APY for the CD is 1.68%, flat to last week's average.</p> <h2>Today's 3-Year CD Rates</h2> <p>Today, the highest rate on a <a href="https://www.forbes.com/advisor/banking/cds/best-3-year-cd-rates/"data-ecom-link='{"clickText":"three-year CD","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-year-cd-rates\/","clickType":"internal"}'>three-year CD</a> stands at 4.65%, so you'll want to shop around for that rate or something near it. The average rate APY is 1.59%.</p> <h2>Today's 5-Year CD Rates</h2> <p>On a <a href="https://www.forbes.com/advisor/banking/cds/best-5-year-cd-rates/"data-ecom-link='{"clickText":"five-year CD","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-5-year-cd-rates\/","clickType":"internal"}'>five-year CD</a>, the highest rate today is 4.43%. APYs are averaging 1.59%, similar to last week.</p> <p>The longer the term, the higher the early withdrawal penalty. It's not unusual to <a href="https://www.forbes.com/advisor/banking/cds/cd-early-withdrawal-penalty/"data-ecom-link='{"clickText":"lose one full year's worth of interest or more","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-early-withdrawal-penalty\/","clickType":"internal"}'>lose one full year's worth of interest or more</a> if you break open a five-year CD early. Be absolutely certain you understand the penalty before you make your investment.</p> <h2>Today's Jumbo CD Rates</h2> <p>The best rate today on <a href="https://www.forbes.com/advisor/banking/cds/best-jumbo-cd-rates/"data-ecom-link='{"clickText":"jumbo CDs","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-jumbo-cd-rates\/","clickType":"internal"}'>jumbo CDs</a> is 4.94% for a 6-month term. As with non-jumbo, various term lengths are available. The average APY for the 6-month CD is currently 1.82%.</p> <p>Most jumbo CDs require a minimum deposit of $100,000 - and some even require $250,000. However, there's no universally agreed-upon definition regarding what qualifies as a "jumbo" CD. Some banks and credit unions slap the label "jumbo" on CDs you can open with $50,000, $25,000 or even less.</p> <h2>Other Top CD Rates by Term</h2> <ul> <li><a href="https://www.forbes.com/advisor/banking/cds/best-4-year-cd-rates/"data-ecom-link='{"clickText":"Best 4-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-4-year-cd-rates\/","clickType":"internal"}'>Best 4-Year CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-10-year-cd-rates/"data-ecom-link='{"clickText":"Best 10-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-10-year-cd-rates\/","clickType":"internal"}'>Best 10-Year CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-18-month-cd-rates/"data-ecom-link='{"clickText":"Best 18-Month CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-18-month-cd-rates\/","clickType":"internal"}'>Best 18-Month CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-jumbo-cd-rates/"data-ecom-link='{"clickText":"Best Jumbo CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-jumbo-cd-rates\/","clickType":"internal"}'>Best Jumbo CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-ira-cd-rates/"data-ecom-link='{"clickText":"Best IRA CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-ira-cd-rates\/","clickType":"internal"}'>Best IRA CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-no-penalty-cd-rates/"data-ecom-link='{"clickText":"Best No-Penalty CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-no-penalty-cd-rates\/","clickType":"internal"}'>Best No-Penalty CD Rates</a></li> </ul> <p><strong>Related:</strong> <a href="https://www.forbes.com/advisor/banking/cds/cd-rate-forecast/"data-ecom-link='{"clickText":"CD Interest Rates Forecast: How Good Will They Get?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-rate-forecast\/","clickType":"internal"}'>CD Interest Rates Forecast: How Good Will They Get?</a></p> <h2>Best CD Rates Offered by Banks in February 2025</h2> <p>CD rates are rarely the same between any two banks, so you should comparison shop when looking for a new account. You may decide to stick with your current bank because it's convenient or join a new bank to take advantage of higher rates.</p> <p>To find the right CD, look at the specific term you're interested in with a few different banks.</p> <p>Traditional, brick-and-mortar banks tend to offer lower CD rates, in general, than online banks without any branches. For example:</p> <ul> <li><a href="https://www.forbes.com/advisor/banking/cds/chase-bank-cd-rates/"data-ecom-link='{"clickText":"Chase Bank CD rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/chase-bank-cd-rates\/","clickType":"internal"}'>Chase Bank CD rates</a> currently range from 0.01% to 4.00%</li> <li><a href="https://www.forbes.com/advisor/banking/cds/discover-bank-cd-rates/"data-ecom-link='{"clickText":"Discover Bank CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/discover-bank-cd-rates\/","clickType":"internal"}'>Discover Bank CD Rates</a> currently range from 2.00% to 4.10%</li> <li><a href="https://www.forbes.com/advisor/banking/cds/bank-of-america-cd-rates/"data-ecom-link='{"clickText":"Bank of America CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/bank-of-america-cd-rates\/","clickType":"internal"}'>Bank of America CD Rates</a> currently range from 0.03% to 3.75%</li> <li><a href="https://www.forbes.com/advisor/banking/cds/marcus-by-goldman-sachs-cd-rates/"data-ecom-link='{"clickText":"Marcus By Goldman Sachs CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/marcus-by-goldman-sachs-cd-rates\/","clickType":"internal"}'>Marcus By Goldman Sachs CD Rates</a> currently range from 3.75% to 4.50%</li> </ul> <p>Other top CD rates by banks include:</p> <ul> <li><a href="https://www.forbes.com/advisor/banking/cds/pnc-bank-cd-rates/"data-ecom-link='{"clickText":"PNC Bank CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/pnc-bank-cd-rates\/","clickType":"internal"}'>PNC Bank CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/citibank-cd-rates/"data-ecom-link='{"clickText":"Citibank CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/citibank-cd-rates\/","clickType":"internal"}'>Citibank CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/wells-fargo-cd-rates/"data-ecom-link='{"clickText":"Wells Fargo CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/wells-fargo-cd-rates\/","clickType":"internal"}'>Wells Fargo CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/truist-cd-rates/"data-ecom-link='{"clickText":"Truist CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/truist-cd-rates\/","clickType":"internal"}'>Truist CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/ally-bank-cd-rates/"data-ecom-link='{"clickText":"Ally Bank CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/ally-bank-cd-rates\/","clickType":"internal"}'>Ally Bank CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/capital-one-360-cd-rates/"data-ecom-link='{"clickText":"Capital One 360 CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/capital-one-360-cd-rates\/","clickType":"internal"}'>Capital One 360 CD Rates</a></li> </ul> <h2>How Do CDs Work?</h2> <p>You "purchase" a CD from a financial institution by opening an account with a lump-sum deposit, which is your principal. Many CDs and share certificates (accounts similar to bank CDs but offered by credit unions) have minimum deposits you must meet, which typically range from a few hundred to several thousand dollars.</p> <p>Once you deposit your principal, the clock starts on your timed investment, and you begin earning interest. The bank or credit union will provide you with regular statements showing how much you're earning. You may accrue interest daily, monthly or quarterly.</p> <p>Try not to tap your CD before the term ends. Early withdrawal penalties can be so severe that they negate your interest and then start eating into your principal.</p> <h2>Are CD Rates Worth It?</h2> <p>CDs typically pay higher interest than other savings vehicles, even the <a href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"data-ecom-link='{"clickText":"best high-yield savings accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/","clickType":"internal"}'>best high-yield savings accounts</a> and <a href="https://www.forbes.com/advisor/banking/best-money-market-accounts/"data-ecom-link='{"clickText":"money market accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-money-market-accounts\/","clickType":"internal"}'>money market accounts</a>. And while they may not offer the kind of enviable returns that are possible with stocks, CDs beat the more attention-getting investments in one regard: They're one of the safest places to put your money.</p> <p>Investors lost millions in the 2022 crypto crash, and putting your money into the stock market, real estate or gold and other commodities can be risky, too. But when you buy a certificate of deposit or credit union share certificate from a federally insured financial institution, you can sleep easily with the knowledge that your investment is protected.</p> <p>The Federal Deposit Insurance Corp. provides you with up to $250,000 in coverage in the event the bank issuing your CD ever fails. For share certificates purchased from federal credit unions and most state-chartered credit unions, the <a href="https://www.forbes.com/advisor/banking/what-is-the-national-credit-union-administration/"data-ecom-link='{"clickText":"National Credit Union Administration","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/what-is-the-national-credit-union-administration\/","clickType":"internal"}'>National Credit Union Administration</a> insures your money up to the same limit.</p> <div class="blockquote blockquote-wrapper"> <p>"Traditional brick-and-mortar banks have far greater operating expenses than banks that only exist online. That's why online banks are usually able to offer more attractive APYs on CDs - they have lower overhead costs, so they can afford to pay higher interest rates to customers."</p> </div> <p><strong>Related: </strong><a href="https://www.forbes.com/advisor/banking/cds/cd-rate-forecast/"data-ecom-link='{"clickText":"CD Interest Rates Forecast: How Good Will They Get?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-rate-forecast\/","clickType":"internal"}'>CD Interest Rates Forecast: How Good Will They Get?</a></p> <h2>Methodology</h2> <p>Curinos determines the average rates for certificates of deposit (CDs) by focusing on specific CDs and excluding others. Certain types, such as promotional offers, relationship-based rates, private, youth, senior, student/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs are not considered in the calculation.</p>  <h2 class="title"> Frequently Asked Questions (FAQs) </h2> <div class="main-faqs faq-2021 faq-v2" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-ecom-misc-click='{"clickText":"How do you build a CD ladder?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How do you build a CD ladder?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You build a <a href="https://www.forbes.com/advisor/banking/cds/cd-ladder/">CD ladder</a> by saving your money in multiple CDs with cascading term lengths. For instance, you might buy a one-year CD, a two-year CD, a three-year CD, a four-year CD and a five-year CD. As each of the shorter-term CDs matures, you replace it with a new five-year CD.</p> <p>Follow this plan and you’ll have one better-yielding five-year CD maturing each year. If you’re ever having a bad year, you could take some of the cash from the expiring CD and use it to pay bills instead of pouring it all into a fresh CD.</p> <p>Comparison shop to track down the <a href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/">best CD rates</a>. Banks and credit unions compete by offering alluring yields to land your business, so shopping around is a must before you purchase any bank CD or credit union share certificate.</p> </div> </div> <div class="faqs" data-ecom-misc-click='{"clickText":"Do CDs cost anything?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Do CDs cost anything?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>CDs usually come with zero fees, meaning your money won’t be nibbled at by the monthly maintenance fees that are typical with many savings, checking and money market accounts.</p> <p>You will likely be charged an early withdrawal penalty if you end your CD term early. 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Please try again later.</div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="right-rail"> <div class="right-rail__content top-right-rail"> <div class="best-of-content"> <div class="boc__section" data-ecom-container='{"componentTitle":"Find The Best CD","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Find The Best CD</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/" title="Best CD Rates " data-ecom-link='{"clickText":"Best CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>Best CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-3-month-cd-rates/" title="Best 3-Month CD Rates " data-ecom-link='{"clickText":"Best 3-Month CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-month-cd-rates\/","clickType":"internal"}'>Best 3-Month CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-6-month-cd-rates/" title="Best 6-Month CD Rates " data-ecom-link='{"clickText":"Best 6-Month CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-6-month-cd-rates\/","clickType":"internal"}'>Best 6-Month CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-18-month-cd-rates/" title="Best 18-month CD Rates" data-ecom-link='{"clickText":"Best 18-month CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-18-month-cd-rates\/","clickType":"internal"}'>Best 18-month CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-1-year-cd-rates/" title="Best 1-Year CD Rates " data-ecom-link='{"clickText":"Best 1-Year CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-1-year-cd-rates\/","clickType":"internal"}'>Best 1-Year CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-2-year-cd-rates/" title="Best 2-Year CD Rates" data-ecom-link='{"clickText":"Best 2-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-2-year-cd-rates\/","clickType":"internal"}'>Best 2-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-3-year-cd-rates/" title="Best 3-Year CD Rates " data-ecom-link='{"clickText":"Best 3-Year CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-year-cd-rates\/","clickType":"internal"}'>Best 3-Year CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-4-year-cd-rates/" title="Best 4-Year CD Rates" data-ecom-link='{"clickText":"Best 4-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-4-year-cd-rates\/","clickType":"internal"}'>Best 4-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-5-year-cd-rates/" title="Best 5-Year CD Rates" data-ecom-link='{"clickText":"Best 5-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-5-year-cd-rates\/","clickType":"internal"}'>Best 5-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-10-year-cd-rates/" title="Best 10-Year CD Rates" data-ecom-link='{"clickText":"Best 10-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-10-year-cd-rates\/","clickType":"internal"}'>Best 10-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-ira-cd-rates/" title="Best IRA CD Rates" data-ecom-link='{"clickText":"Best IRA CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-ira-cd-rates\/","clickType":"internal"}'>Best IRA CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-jumbo-cd-rates/" title="Best Jumbo CD Rates" data-ecom-link='{"clickText":"Best Jumbo CD 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Rates In Florida</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/connecticut-cd-rates/" title="Best CD Rates In Connecticut" data-ecom-link='{"clickText":"Best CD Rates In Connecticut","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/connecticut-cd-rates\/","clickType":"internal"}'>Best CD Rates In Connecticut</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates-texas/" title="Best CD Rates In Texas" data-ecom-link='{"clickText":"Best CD Rates In Texas","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates-texas\/","clickType":"internal"}'>Best CD Rates In Texas</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates-in-pennsylvania/" title="Best CD Rates In Pennsylvania" data-ecom-link='{"clickText":"Best CD Rates In Pennsylvania","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates-in-pennsylvania\/","clickType":"internal"}'>Best CD Rates In Pennsylvania</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates-new-york/" title="Best CD Rates In New York" data-ecom-link='{"clickText":"Best CD Rates In New York","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates-new-york\/","clickType":"internal"}'>Best CD Rates In New York</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates-new-jersey/" title="Best CD Rates In New Jersey" data-ecom-link='{"clickText":"Best CD Rates In New Jersey","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates-new-jersey\/","clickType":"internal"}'>Best CD Rates In New Jersey</a> </li> </ul> 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</li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/bank-of-america-cd-rates/" title="Bank Of America CD Rates " data-ecom-link='{"clickText":"Bank Of America CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/bank-of-america-cd-rates\/","clickType":"internal"}'>Bank Of America CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/truist-cd-rates/" title="Truist CD Rates" data-ecom-link='{"clickText":"Truist CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/truist-cd-rates\/","clickType":"internal"}'>Truist CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/pnc-bank-cd-rates/" title="PNC Bank CD Rates" data-ecom-link='{"clickText":"PNC Bank CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/pnc-bank-cd-rates\/","clickType":"internal"}'>PNC Bank CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/citibank-cd-rates/" title="Citibank CD Rates " data-ecom-link='{"clickText":"Citibank CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/citibank-cd-rates\/","clickType":"internal"}'>Citibank CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/morgan-stanley-cd-rates/" title="Morgan Stanley CD Rates" data-ecom-link='{"clickText":"Morgan Stanley CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/morgan-stanley-cd-rates\/","clickType":"internal"}'>Morgan Stanley CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/capital-one-360-cd-rates/" title="Capital One 360 CD Rates " data-ecom-link='{"clickText":"Capital One 360 CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/capital-one-360-cd-rates\/","clickType":"internal"}'>Capital One 360 CD Rates </a> </li> </ul> </div> </div> <div class="boc__section" data-ecom-container='{"componentTitle":"Recommended Reading","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Recommended Reading</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/cd-rate-forecast/" title="CD Interest Rates Forecast" data-ecom-link='{"clickText":"CD Interest Rates Forecast","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-rate-forecast\/","clickType":"internal"}'>CD Interest Rates Forecast</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/cd-calculator/" title="CD Calculator " data-ecom-link='{"clickText":"CD Calculator\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-calculator\/","clickType":"internal"}'>CD Calculator </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/how-much-money-to-put-in-a-cd/" title="How Much Money Should I Keep In CDs?" data-ecom-link='{"clickText":"How Much Money Should I Keep In CDs?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/how-much-money-to-put-in-a-cd\/","clickType":"internal"}'>How Much Money Should I Keep In CDs?</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/7-percent-cd-rate/" title="Are 7% CD Rates Too Good To Be True?" data-ecom-link='{"clickText":"Are 7% CD Rates Too Good To Be 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<a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/cd-ladder-calculator/" title="CD Ladder Calculator" data-ecom-link='{"clickText":"CD Ladder Calculator","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-ladder-calculator\/","clickType":"internal"}'>CD Ladder Calculator</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/invest-in-cds/" title="How To Invest In CDs" data-ecom-link='{"clickText":"How To Invest In CDs","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/invest-in-cds\/","clickType":"internal"}'>How To Invest In CDs</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/how-to-open-a-cd-account/" title="How To Open A CD Account" data-ecom-link='{"clickText":"How To Open A CD 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static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper.png" alt="Taylor Tepper"></span> <span>By <strong>Taylor Tepper</strong></span> </div> </div> </a> </div> </div> </div> <div class="rafeed__grid-wrapper rafeed__grid-wrapper-dynamic"></div> <div class="rafeed__load-more"> <div class="loader-ellips"> <span class="loader-ellips__dot"></span> <span class="loader-ellips__dot"></span> <span class="loader-ellips__dot"></span> <span class="loader-ellips__dot"></span> </div> </div> </div> </div> <div class="rafeed__container"> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/tepper/" title="Taylor Tepper" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/tepper/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'> Taylor Tepper </a> <div class="authorbio__role">Senior Writer, Banking and Investing</div> </div> </div> <div class="authorbio__bottom"> <p>Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the recognition of his peers, including winning a Loeb award for his piece on the high cost of mental illness, and he completed the education requirement for the Certified Financial Planner (CFP) certification.</p> </div> </div> </div> <div class="article_published_date"> </div> </div> </div> <div class="ng-scope forbes-media-footer"> <footer class="clearfix shared-footer "> <div class="row-inner "> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="120" height="32" fill="#181716" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"> <path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path> </svg> </a> <span class="copy ng-binding">© 2025 Forbes Media LLC. 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getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["banking_product_APY","display_faq"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Regular post_v1', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Taylor Tepper', author_role: 'Senior Writer, Banking and Investing', primary_category: 'Banking', secondary_category: 'CDs', published_date: 'February 27, 2025', updated_date: 'Feb 27, 2025', ra_feed_enabled: 1 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': 'b398b239a8', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = Element.prototype.msMatchesSelector || Element.prototype.webkitMatchesSelector; } if (!Element.prototype.closest) { Element.prototype.closest = function(s) { var el = this; do { if (el.matches(s)) return el; el = el.parentElement || el.parentNode; } while (el !== null && el.nodeType === 1); return null; }; } } function init(){ initPolyfilForClosest(); addEvents(); // setGtagUserId(); e2eSendPageView(); } return { init : init } })(); e2e.init(); </script>  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PLP9KFC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <script> (function(){ const RelatedArticlesPixelImage = new Image(0, 0); let pu = encodeURIComponent(window.location.href); RelatedArticlesPixelImage.src = `https://lgforbes.akamaized.net/rtblog.php?requrl=${pu}&cid=8CUX59211&crid=279436909`; })(); </script><div id="consent_blackbar"></div><div id="teconsent"></div><style>#teconsent a{display: flex; justify-content: center; background: linear-gradient(90deg,#fff,#f4f4f4); background-color: #fff; border: 1px solid #ccc; -webkit-border-radius: 5px; border-radius: 5px; bottom: 110px; cursor: pointer; left: -57px; opacity: .7; padding: 3px 2px; z-index: 9999;}</style><script type="application/ld+json"> { "@context":"https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "How do you build a CD ladder?", "acceptedAnswer": { "@type": "Answer", "text": "<p>You build a <a href=\"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-ladder\/\">CD ladder<\/a> by saving your money in multiple CDs with cascading term lengths. For instance, you might buy a one-year CD, a two-year CD, a three-year CD, a four-year CD and a five-year CD. As each of the shorter-term CDs matures, you replace it with a new five-year CD.<\/p>\n<p>Follow this plan and you’ll have one better-yielding five-year CD maturing each year. If you’re ever having a bad year, you could take some of the cash from the expiring CD and use it to pay bills instead of pouring it all into a fresh CD.<\/p>\n<p>Comparison shop to track down the <a href=\"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/\">best CD rates<\/a>. Banks and credit unions compete by offering alluring yields to land your business, so shopping around is a must before you purchase any bank CD or credit union share certificate.<\/p>\n" } },{ "@type": "Question", "name": "Do CDs cost anything?", "acceptedAnswer": { "@type": "Answer", "text": "<p>CDs usually come with zero fees, meaning your money won’t be nibbled at by the monthly maintenance fees that are typical with many savings, checking and money market accounts.<\/p>\n<p>You will likely be charged an early withdrawal penalty if you end your CD term early. 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0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> (function(googletag){ var refreshState = {}; var getSlotId = function(slotId){ var identifier = "-re"; var hasIdentifier = slotId.indexOf(identifier) !== -1; if(hasIdentifier){ //If there is suffix (re) remove count // top-re1 -> top-re return slotId.substring( 0, (slotId.indexOf(identifier)+identifier.length) ); } //If there is no suffix (re) add it // top -> top-re return slotId + identifier; //top-re }; googletag.cmd.push(function(){ googletag.pubads().addEventListener('slotRequested', function(event) { var slot = event.slot; var slotID = slot.getSlotId().getId(); var slotIdTargetingId = slot.getTargetingMap().pos[0]; //refreshState['UNIT_PATH'] if(refreshState[slotID] !== undefined){ refreshState[slotID] = refreshState[slotID] + 1; event.slot.setTargeting( 'pos', (getSlotId(slotIdTargetingId) + refreshState[slotID]) ); event.slot.setTargeting('refreshCount', refreshState[slotID]); }else{ refreshState[slotID] = 0; } }); }); })(googletag); </script> <div id="advertiser-disclosure-block" class="disclosure-block"> The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. <b>First</b>, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. <b>Second,</b> we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our <a href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a> who offer products that we have affiliate links for. </div><script> (function ($) { $(function () { $('.article-social-sharing__link').click(function () { var url = $(this).data('href'); window.open(url, 'newwindow', 'width=400,height=600'); }); var device_Type = getDeviceTypeInNumber(window.deviceType); var isMobile = parseInt(device_Type, 10) === 3; $(window).scroll(throttle(function(e){ if (e.target.id !== 'advertiser-disclosure') { if (isMobile) { $('#advertiser-disclosure-block').fadeOut(); } } },300)); setTimeout(function () { creditCardAlignment(); }, 4000); $(window).on('resize', window.throttle(windowResizeHandler)); creditCardAlignment(); function creditCardAlignment() { handleCreditCardHeight(document.querySelectorAll(".best-top-bg .best-badge-wrapper", '16px')); handleCreditCardHeight(document.querySelectorAll(".fc_item_title"), '8px'); handleCreditCardHeight(document.querySelectorAll(".partner-offer-text"), '0px'); handleCreditCardHeight(document.querySelectorAll(".cc-card .bonus-lto-wrapper", '8px')); handleCreditCardHeight(document.querySelectorAll(".cc-card .promo-wrapper", '0px')); handleCreditCardHeight(document.querySelectorAll(".best-top-bg .best-badge-container", '16px')); handleCreditCardHeight(document.querySelectorAll(".cc-card .credit-card-wrapper-reward-rate-bottom"), '0'); handleCreditCardHeight(document.querySelectorAll(".cc-card .cc-stat-group-1"), '0px'); handleCreditCardHeight(document.querySelectorAll(".cc-card .cc-stat-group-2"), '0px'); handleCreditCardHeight(document.querySelectorAll(".cc-card .cc-stats-wrapper"), '0px'); handleCreditCardHeight(document.querySelectorAll(".widget__pdpcompare .cc-card .best-top-bg"), '0'); handleCreditCardHeight(document.querySelectorAll(".widget__pdpcompare .cc-card"), '16px'); } if (document.querySelector('.card-compare') && document.querySelector('.card-compare')[2]) { document.getElementsByClassName('card-compare')[2].style.marginRight = "8px"; } function applyHeight(cardsList) { cardsList.forEach(function (card) { card.style.height = 'auto'; }); } function getMaxHeight(cardsList) { let maxHeight = Math.max.apply(null, $(cardsList).map(function () { return $(this).outerHeight(); }).get()); return maxHeight; } function handleCreditCardHeight(cardsList, paddingValue) { applyHeight(cardsList); let maxHeight = getMaxHeight(cardsList); cardsList.forEach(function (card) { card.style.height = maxHeight + 'px'; card.style.paddingBottom = paddingValue; }); } function windowResizeHandler() { creditCardAlignment(); } }); })(jQuery); // Remove padding from 'topEdPlaceholder' if #top-0 height is more than 250px if ($(".top-ed-placeholder").length) { var checkHeightInterval = setInterval(function () { var topEdHeight = $("#top-0").height(); if (topEdHeight > 0) { if (topEdHeight > 250) { $(".top-ed-placeholder").addClass("hide-top-ed-padding"); } if ($(".hide-top-ed-padding").length !== 0) { clearInterval(checkHeightInterval); } } }, 500); } function rightRailBelowRaFeed() { var deviceType = getDeviceTypeInNumber(window.deviceType), rightRail = $('.right-rail'), articlePublishedDate = $('.article_published_date'), partnerShortcode = $('.partnerRightRailShortcode'); if (deviceType === 3 && partnerShortcode.length > 0) { partnerShortcode.insertAfter(".feedback-form-wrapper"); } if (deviceType === 3 && rightRail.length && articlePublishedDate.length) { rightRail.insertAfter(".article_published_date"); } } document.addEventListener("DOMContentLoaded", rightRailBelowRaFeed); </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.forbes.com/advisor/banking/cds/cd-rates-today-02-27-25/" }, "headline": "CD Rates Today: February 27, 2025 – Rates Rise", "image": { "@type": "ImageObject", "url": "https://www.forbes.com/advisor/wp-content/uploads/2025/01/CD-Rates-5-900x510.jpg", "height": "900", "width": "510" }, "datePublished": "2025-02-27T05:03:00-05:00", "dateModified": "2025-02-27T05:03:59-05:00", "author": { "@type": "Person", "name": "Taylor Tepper" }, "publisher": { "@type": "Organization", "name": "Forbes", "logo": { "@type": "ImageObject", "url": "https://i.forbesimg.com/media/assets/forbes_1200x1200.jpg", "width": 1200, "height": 1200 } }, "description": "The best interest rates on CDs – certificates of deposit – range as high as 5.06% today, which is far higher than CD rates were a few years ago. Here’s an overview of the best CD rates for you. Highest CD Rates Today by Term A CD is a specific type of savings account (known […]" } </script><script>!function(){var e,t={445:function(e,t,o){"use strict";o(96);function r(e,t,o){document.addEventListener(e,(function(e){for(var r=e.target;r&&r!=this;r=r.parentNode)if(r.matches(t)){o.call(r,e);break}}),!1)}window.debounce=function(e,t){var o;return function(){for(var r=arguments.length,n=new Array(r),i=0;i<r;i++)n[i]=arguments[i];o&&clearTimeout(o),o=setTimeout((function(){e.apply(null,n)}),t)}};const n=e=>document.querySelector(e),i=e=>document.querySelectorAll(e),s=function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;return"none"===window.getComputedStyle(e).display?function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;e.style.removeProperty("display");let{display:o}=window.getComputedStyle(e);"none"===o&&(o="block"),e.style.display=o;const 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