Top High Yield Cd Savings Account 2024 Best Bank. Certificate of deposit (cd) cds are best for individuals looking for a guaranteed rate of return that’s typically higher than a savings account. Top apys for many cd terms have declined slightly in recent months since.

Today’s best cd rates are 5.75% from citizens state bank and 5.70% from nasa federal credit union for 7 to 9 months—or for terms of a year or more, 5.65% from hyperion. Some banks even offer different cd types, like a cd where.