Maximize CD Rates: Top Deals & Strategies

CD rates are dropping, but you can still find solid deals. United Fidelity Bank offers a 4.2% APY on a 2-year CD. Online banks lead with higher rates due to lower overhead costs. Shop around, as national averages are much lower. CDs are safe, federally insured, and a smart way to lock in yields. Promotional CDs can offer up to 4.75% APY, but check terms and fees. No-minimum deposit options are available. Consider CDs for steady growth, but weigh early withdrawal penalties against high-yield savings for flexibility. Rates may dip more in 2026, so act if it matches your plans.The Daily News Now! — Every city. Every story. AI-powered. Hosted on Acast. See acast.com/privacy for more information.