Top High Yield Cd Savings Account 2024 Best Rate. Today's highest certificate of deposit (cd) rate overall continues to be 5.65% apy. Check out the top cd rates to make your money work harder for you.

Interest rates on cds have surged since 2022 in response to fed rate hikes. As of august 19, 2024, the national average apy on savings accounts is 0.46%, according to the federal deposit.