Today’s best CD rates are highlighted in this article. Short-term CDs are offering the highest rates, making them attractive options for individuals saving for short-term goals. It is recommended to consider a CD today to lock in an annual percentage yield (APY) and protect earnings from anticipated rate drops in the future. The article provides a list of the current top CD rates and emphasizes the importance of comparing rates before opening an account. The Federal Deposit Insurance Corporation and the National Credit Union Administration insure CDs held by banks or credit unions, making them a low-risk option for growing savings. Factors to consider when comparing CD accounts include withdrawal penalties, minimum deposit requirements, fees, federal deposit insurance, and customer ratings and reviews. The article concludes with a methodology section explaining how CD rates were evaluated for this article.