Top U.S. CD Rates: Best Offers by Term as of November 20, 2025

Looking for the best CD rates available right now? Here’s a clear, up-to-date breakdown of the top U.S. Certificate of Deposit offers as of November 20, 2025. Compare APYs across 3-month, 6-month, 12-month, and multi-year terms, including no-penalty CDs, minimum deposits, and key details to help you lock in the highest guaranteed returns.