On December 6, 2025, the highest available annual percentage yield (APY) on a certificate of deposit (CD) stood at 4.1%, offering savers a competitive return in a sustained high-interest-rate environment. The rate reflects ongoing adjustments by financial institutions to attract deposits.
- Highest CD APY available on December 6, 2025: 4.1%
- Typical CD term lengths: 12 to 60 months
- Minimum deposit requirements: $1,000 to $5,000
- Early withdrawal penalties apply
- BND (Bloomberg U.S. Aggregate Bond Index) remains a relevant benchmark for fixed-income alternatives
- CD yields reflect persistent high-interest-rate environment in consumer finance
A select group of financial institutions are offering certificates of deposit with a maximum APY of 4.1% as of December 6, 2025, representing a notable benchmark for conservative investors seeking stable, fixed returns. These rates are available through online banks and select regional lenders, where competitive positioning drives yield differentials. The 4.1% APY surpasses traditional savings account offerings and aligns with recent trends in retail deposit pricing. Despite modest inflationary pressures, the current yield environment continues to benefit savers who prioritize capital preservation with predictable income. The 4.1% APY is typically associated with longer-term CDs, such as 12- to 60-month maturities, and may require minimum deposits ranging from $1,000 to $5,000, depending on the institution. Early withdrawal penalties remain in place, limiting liquidity but reinforcing the fixed-income nature of the product. This rate level reflects broader interest rate dynamics, with central bank policy influencing the cost of funds for banks and guiding their retail pricing strategies. For individual investors, particularly those in high-income tax brackets, the after-tax return on a 4.1% APY CD may still provide favorable real returns, especially when compared to inflation-adjusted alternatives. Financial planners recommend evaluating CD terms alongside other fixed-income instruments, such as Treasury securities or short-duration bond funds, including those tracked by the Bloomberg U.S. Aggregate Bond Index (ticker: BND), for portfolio diversification.