Best CD Rates Today, Oct. 30, 2025: The Fed Announced Another Rate Cut -- Lock in up to 4.34% APY Before Rates Slide
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The Fed announced another quarter-point rate cut yesterday, and CD rates are already feeling the impact. Many banks lowered their top APYs after the September cut, and with this second cut now official, more reductions are likely in the days ahead.
If you've been thinking about opening a CD, this could be your best chance to lock in a strong return before yields fall even further. A fixed rate gives your savings a safe place to grow -- no surprises, no market swings.
Below, we've rounded up today's best CD offers still available.
Featured offers
LendingClub CD
On LendingClub's Secure Website.
Synchrony Online CD
On Synchrony Bank's Secure Website.
Discover® Bank CD
On Discover Bank's Secure Website.
Best CD rates today, Oct. 30, 2025
| Bank | Term | APY | Minimum Deposit |
|---|---|---|---|
| Climate First Bank | 6 Months | 4.34% | $500 |
| United Fidelity Bank | 60 Months | 4.30% | $1,000 |
| United Fidelity Bank | 48 Months | 4.25% | $1,000 |
| Bread Savings | 6 Months | 4.20% | $1,500 |
| Synchrony Bank | 9 Months | 4.10% | $0 |
| LendingClub | 8 Months | 4.10% | $500 |
Every CD listed here is FDIC-insured, which means your deposits (up to $250,000 per bank) are protected. The best fit depends on two things: how long you're willing to lock up your money, and how much you plan to deposit.
- Looking short-term? Climate First Bank is offering a 6-month CD with a 4.34% APY and just a $500 minimum.
- Thinking long-term? United Fidelity Bank's 5-year CD pays 4.30% APY with a $1,000 deposit.
- Need a middle ground? LendingClub's 8 Mo. CD hits the sweet spot -- solid return, low $500 minimum, and under a year to maturity. It's long enough to ride out near-term cuts, but short enough to keep your funds within reach.
LendingClub CD
On LendingClub's Secure Website.
Why opening a CD now could be a smart move
If you've got cash sitting in a low-yield savings account, a CD can help you lock in a higher return before rates fall further. CDs are ideal for money you won't need right away and reward patience with predictable, guaranteed growth.
You might want to consider a CD if:
- You already have an emergency fund in place.
- Your long-term goals are covered by other investments.
- You prefer a low-risk, fixed return without market volatility.
With yields slipping and another Fed cut just announced, this may be one of the last chances to capture a top-tier rate for the foreseeable future.
Example: Earn $678 in 8 months -- guaranteed
Let's say you put $25,000 into LendingClub's 8-month CD. By the time it matures, your balance would grow to $25,678 -- that's $678 in guaranteed interest, with zero effort and zero risk.
CDs offer certainty. Your rate is locked from day one, so you'll know exactly what to expect -- even if rates drop again.
Locking in today's stronger yield could make a noticeable difference in your returns over time. Check out our LendingClub CD review to learn more and secure your rate while it lasts.
LendingClub CD
On LendingClub's Secure Website.
Opening a CD is quick and easy
Here's how to get started in just five steps:
- Compare rates. Online banks often offer better deals than traditional ones.
- Decide how much to deposit. You usually can't add more once it's open.
- Apply. Submit your info online or in person -- ID, SSN, and bank details.
- Transfer your funds. Your rate typically locks when your deposit posts.
- Track your maturity date. Set a reminder so you're ready to withdraw or renew.
Once your CD is funded, your money starts earning right away. Click here to see today's best CD rates.
Prefer flexibility? Consider a high-yield savings account
If you'd rather keep your cash more accessible, a high-yield savings account (HYSA) could be a better fit. Many are still offering APYs close to top CD rates -- without locking up your money.
- The upside: You can move money in or out anytime without penalties.
- The tradeoff: HYSA rates can change at any time, while CD rates are fixed.
Top HYSA pick: The Axos ONE® combo checking and savings account currently pays up to 4.51% APY on savings balances when you meet account requirements -- higher than many short-term CDs and with full access to your funds. Read our full review to learn more.
On Axos Bank's Secure Website.
Member FDIC.
Axos ONE®
On Axos Bank's Secure Website.
= Best
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= PoorOn Axos Bank's Secure Website.
- Earn a competitive APY on checking and savings
- Pay no monthly maintenance or account fees
- No cap on how much you can save
- Access to fee-free ATM network
- Extra conditions required to earn the advertised rate
- No physical branches for in-person help
The Axos ONE® bundle makes your money work overtime – all under one roof. Meet the direct deposit and balance requirements, and you’ll earn up to 4.51% APY on savings and up to 0.51% APY on checking, some of the highest rates we’ve seen lately. There are no physical branches, but you can still access cash easily through a network of over 95,000 fee-free ATMs. It’s a simple, high-reward setup that actually pays off.
The Annual Percentage Yield (APY) is accurate as of 10/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY. Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
Option 1
- Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
- The average daily balance of your Axos ONE® Checking account is at least $1,500.
Option 2
- Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
- The average daily balance of your Axos ONE® Checking account is at least $5,000.
If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
- The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
- The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.
The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.
Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
Our Picks for the Best High-Yield Savings Accounts of 2025
| Product | APY | Min. to Earn | |
CIT Platinum Savings
Member FDIC.
APY
3.85%
Rate info
3.85% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn
$5,000
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
3.85%
Rate info
3.85% APY for balances of $5,000 or more; otherwise, 0.25% APY
|
$5,000
|
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
Western Alliance Bank High-Yield Savings Premier
Member FDIC.
APY
4.10%
Rate info
The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. to earn
$500 to open, $0.01 for max APY
Open Account for Western Alliance Bank High-Yield Savings Premier
On Western Alliance Bank's Secure Website. |
4.10%
Rate info
The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
|
$500 to open, $0.01 for max APY
|
Open Account for Western Alliance Bank High-Yield Savings Premier
On Western Alliance Bank's Secure Website. |
Capital One 360 Performance Savings
Member FDIC.
APY
3.40%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Oct. 1, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn
$0
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
3.40%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Oct. 1, 2025. Rates are subject to change at any time before or after account opening.
|
$0
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 15, 2025.
For complete list of account details and fees, see our Personal Account disclosures.
The annual percentage yield (APY) is accurate as of September 30, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of October 20, 2025. See the FDIC website for more information.
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Sources
FAQs
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A CD (certificate of deposit) is a savings product that pays a fixed interest rate for a set term -- typically from a few months to five years. You deposit money once, earn a guaranteed return, and withdraw or rollover into a new CD when the term ends.
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Yes. Once your CD is opened and funded, the APY is locked in for the entire term, even if market rates drop.
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You'll usually pay an early withdrawal penalty, which could reduce or cancel out your earned interest. That's why it's important to choose a term that fits your timeline.
Our Research Expert
James McClenathen is a full-time Managing Editor and Personal Finance Writer at Motley Fool Money, overseeing the production and quality of editorial content while also writing about credit cards, investing, and everyday money management. He has worked at The Motley Fool since 2012 and brings extensive experience as an editor, reporter, and finance expert. A graduate of the University of Michigan, James has spent more than a decade of his career helping readers make smarter financial decisions.