![]() Two-year CDs now have an average APY of 2.16%. The top rate last week at this time was a similar 4.31%. ![]() If you can hold out for two years, 24-month CDs today are being offered at interest rates as high as 4.31% APY. The average APY is 2.59%, the same as a week ago. The highest rate on an 18-month CD is currently 4.40%-up from 4.30% a week ago. Highest CD Rates Today: 18-Month and 2-Year Terms Nine-month CDs today are being offered at an average APY of 1.95%, the same as a week ago. The current average APY for a six-month CD is 1.42%, compared to 1.41% last week at this time. If you’re interested in a shorter-term CD, today’s best six-month CD rate is 3.92%. That’s the interest you earn not only on your deposit (or principal) but also on the interest itself. APY provides a more accurate view of the annual interest you’ll earn with a CD because it takes into account compound interest. The average APY, or annual percentage yield, on a one-year CD is now 1.95%, up from 1.94% a week ago.
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