Best Cd Rates 2025 Reddit 2025. Certificate of deposit rates remain attractive, with today’s best cds offering annual percentage yields, or apys, as high as 4.70%. Marcus by goldman sachs is currently offering 4% for 12 months which is a pretty decent return for short term cash.

Annual percentage yields (apys) and account details are accurate as of december 20, 2025. Redditors had mixed opinions on the best cd rates.