|
Basic member with no Mastercard
Nothing. Nada. Zip.
|
This device is too small
If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.
Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
| Accessibility Options
- Credit Cards
- Banks
- Brokers
Brokers
Top Reviews
- Robinhood Review
-
SoFi Review
- ETRADE Review
- All Brokerage Reviews
- Crypto
Crypto
Knowledge
- A Complete Guide to Cryptocurrencies
- Types of Cryptocurrencies
- How to Invest in Crypto
- All Cryptocurrency Articles
- Mortgages
- Insurances
Insurances
Life Insurance
- Life Insurance Reviews
- Life Insurance Articles
- All Life Insurance Resources
- Loans
- Podcast
Podcast
Motley Fool Money Podcast
- Motley Fool Money Podcast
- About Us
About Us
Knowledge
- Personal Finance Guides
- Market Research & Insights
-
2025 Award Winners
- All Motley Fool Money Articles
-
The Best CD Rates Today, April 4, 2025: Up to 4.65% APY
Published on April 4, 2025
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our Editorial Integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.
Image source: The Motley Fool/Unsplash
Today's top CD rates have annual percentage yields (APYs) of up to 4.65%. CDs with terms of a year or less generally have the highest rates on offer now.
While the Fed made a recent decision to hold rates steady, there's still a very good chance that cuts could occur in the second half of the year. That means now is a great time to lock in high CD rates while they last.
Check out some of the best CD rates we found available today.
Bank APY Term Minimum Deposit
|
|
OMB
|
4.65%
|
7 Months
|
,000
|
|
DR Bank
|
4.65%
|
6 Months
|
0
|
|
United Fidelity Bank
|
4.60%
|
10 Months
|
,000
|
|
Brilliant Bank
|
4.55%
|
9 Months
|
,000
|
|
Marcus by Goldman Sachs
|
4.50%
|
14 Months
|
0
|
|
LendingClub
|
4.00%
|
10 Months
|
0
|
Data source: Issuing banks. Rates are accurate as of April 3, 2025.
Why we chose these CDs
-
Extremely competitive rates. Some CDs have slightly higher rates than those on our list, but most come with a catch.
-
Low minimum deposits. Some CDs require a minimum deposit of ,000 or more, while the CDs above let you deposit as little as 0.
-
Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
-
Online convenience. Some banks require you to visit a branch to open a CD. The CDs on our list can each be opened straight from the issuer's website.
If you're looking for a solid CD from a trusted digital bank, LendingClub's 10-month CD is worth a look. It offers a 4.00% APY with just a 0 minimum deposit. It's available nationwide and easy to open online -- a great pick for savers who want both convenience and a competitive return. Explore LendingClub CD rates here.
The Best CD Rates From Our Partners Today
Rates as of April 22, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
|
|
|
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
What are you looking for?
Neighborhoods
Perfect For
Cuisines
Guides
Reviews
let us help you make a decision
-
Miami/
-
reviews/
-
Babe’s Meat & Counter
MIAReview
Ryan Pfeffer & Charlie Crespo
January 14, 2022
Included In
Babe’s is a deli and market in Palmetto Bay. You can stop by for some supplies to make a nice dinner—but it's really a shame to come here without eating something of their small but excellent menu. Their sandwiches are among Miami's best. They offer breakfast and lunch and pretty much everything is great, from the bacon banh mi to the cheeseburger. It’s simple, quality stuff that all has one thing in common: very good meat. There aren't any tables to eat inside, so expect to take whatever you order to-go. Thankfully most of the menu consists of handheld foods you can happily scarf down in your front seat.
Food Rundown
Babe's Burger
Babe’s keeps it pretty simple with just American cheese, pickles, and sriracha mayo. The bun is one of those squishy burger buns, and it gets nice and steamed the longer you leave it in its wrapper. Every bite is pure, classic burger perfection.
Cuban Sandwich
Since Babe’s is a butcher shop, it’s no surprise that the best part of this excellent sandwich is the meat. The smoked ham and roast pork are the headliners you bought tickets to see. The pickles, Swiss cheese, mustard, and Cuban bread (which they bake themselves) are very capable and talented background singers.
Kimchi Dog
Babe's kimchi dog can often be found as a special, and if you see it—order it. The kimchi adds a spicy, tangy dimension to their snappy Fripper’s dog. The whole thing is then topped with creamy mayonnaise that gives it a simultaneous cool and warm temperature contrast.
Included In
The Best Cuban Sandwiches In Miami
The Best Sandwiches In Miami
FOOD RUNDOWN
Suggested Reading
8.2
Proper Sausages is a butcher shop and to-go sandwich shop in Miami Shores that’s perfect for lunch.
8.3
Tropical Chinese Restaurant
Tropical Chinese on Bird Road is our favorite place in Miami for dim sum.
7.5
La Sandwicherie in Brickell is a good casual spot for a quick sandwich. They’re very big too, so come hungry.
7.6
Kush Wynwood
Kush is a Miami classic for a casual burger and a beer. It's also one of the best places to hide from Wynwood, while being inside of Wynwood.
About Us
Ryan Pfeffer
Senior Editor, Miami
Ryan is a native South Floridian who's written professionally about his strange home (and its cheeseburgers) for over a decade.
Information
- Newsletter
- Contact Us
-
Sitemap
- Terms & Conditions
- Privacy Policy
- Online Tracking Opt Out Guide
- Cookie Settings
2025 © The Infatuation Inc. All Rights Reserved.
The views and opinions expressed on The Infatuation’s site and other platforms are those of the authors and do not reflect the official policy or position of (or endorsement by) JPMorgan Chase. The Infatuation and its affiliates assume no responsibility or liability for the content of this site, or any errors or omissions. The Information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness.
|
|
Member FDIC.
Open Account for LendingClub CD
On LendingClub's Secure Website.
|
APY:
4.00%
|
Term:
10 Months
|
Min. Deposit:
0
|
Open Account for LendingClub CD
On LendingClub's Secure Website.
|
Open Account for
On Secure Website.
|
APY:
4.30%
|
Term:
6 Months
|
Min. Deposit:
|
Open Account for
On Secure Website.
|
Want to find the best CD for your timeline and goals? Explore top rates by term:
- Best CD Rates -- Our expert picks for the top accounts available today
-
Best 6-Month CD Rates -- Short-term savings with fast access
-
Best 12-Month CD Rates -- Solid returns with just a 1-year commitment
- Best 5-Year CD Rates -- Maximize earnings over the long haul
 How we rate CDs 
Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.
Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.
Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.
How we rate CDs
Unlike other banking products we evaluate, certificates of deposit (CDs) do not receive a star rating from us. This approach is due to the frequent updates in interest rates and terms associated with CDs. Instead, we highlight CDs on our best-of list pages based on their annual percentage yield (APY) and the fees associated with early withdrawals. Our top CD selections typically offer competitive APYs without complex qualification tiers, low early withdrawal penalties, reliable strong brand reliability, and user-friendly features.
Motley Fool Money focuses exclusively on standard CDs and does not review IRA CDs, bump-up CDs, callable CDs, or other specialized CD accounts.
Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering competitive APYs and standout features. Learn more about how Motley Fool Money rates bank accounts.
Should you open a CD now?
CD rates dipped after mid-2024, when the Fed began to lower the federal funds rate for the first time in more than four years, but they still deserve a look. The Fed is currently holding steady on rates, but further cuts are predicted in the second half of 2025.
Opening a CD is a smart idea for those seeking safe, steady returns and protection against future rate drops.
Enjoy peace of mind with FDIC backing, covering your deposits up to 0,000 per person, per bank. While CDs are low-risk, stocks may offer higher returns, but with more risk.
How to open a CD
When you're ready, you can open a CD in just a few simple steps:
- Shop around to find the highest APY for the term you want.
- Read the fine print and make sure you can meet the minimum deposit, if there is one.
- Apply for a new account on the bank's website or mobile app, or over the phone. You'll likely be approved and ready to invest in minutes.
- Link an existing bank account to transfer funds to a new CD. Remember that you can only make one deposit per CD.
Click here to explore the best CD rates and open a high-yield CD today.
Once you've opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:
- Pay out your initial deposit plus your earnings as cash
- Reinvest your funds in a new CD with the same term (but potentially a different APY)
Most banks give you a grace period of seven to 10 days after the CD's maturity date to make a decision.
Earn up to 4.10% APY without locking up your cash
If you want to earn a high APY with more flexibility and less commitment, look into a high-yield savings account.
The best high-yield savings accounts allow you to:
- Deposit and withdraw money whenever you want
- Quickly transfer money to other accounts
Savings account rates can change at any moment, but right now, high-yield savings accounts have APYs that compete with the top CDs. Depending on your goals, either could be a smart choice now.
If you want to earn a competitive APY without locking up your money in a CD, the CIT Platinum Savings account is worth a look. It consistently offers one of the highest yields available at 4.10% APY for balances of ,000 or more. Open a CIT Platinum Savings account here.
Our Picks for the Best High-Yield Savings Accounts of 2025
|
Product
|
APY
|
Min. to Earn
|
|
American Express® High Yield Savings Account
Member FDIC.
APY
3.70%
Rate info Circle with letter I in it. 3.70% annual percentage yield as of April 26, 2025. Terms apply.
Min. to earn
Menu
Install the app
Install
How to install the app on iOS
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an alternative browser.
Powdered Graphite for ignition/door locks.
Status Not open for further replies.
Joined Feb 21, 2012 Messages 10 Location Sydney Australia
A search in what I considered to be the appropriate forum revealed nothing.
http://www.supercheapauto.com.au/Product/Power-Plus-Graphite-Powder-Lubricant-35g/1173
I am looking to gather opinions about this sort of product as a preventative measure.
There seems to be a bit of pro/con out there in Googleland, so I considered it best to ask the knowledgeable folk here.
If anyone is able to do a more effective search than what I could manage, I would be happy to be pointed in the right direction.
Thanks.
Last edited: May 2, 2018
Joined Dec 12, 2002 Messages 43,919 Location 'Stralia
I used to use a light silicone spray and puff graphite onto my keys as a PM for locks. Brit car mags used to advocate a "puffer" of graphite, and you used to be able to get a concertina bottle of graphite to "puff" into door locks.
Now the locks get much less use.
Ignition keys, the old ones used to only have a single ridge of wearing surfaces, with spring pressure pushing against the key back, and you could see wear marks both ends.
Now with the "teeth" in the key face, not so much of that again.
Joined Feb 21, 2012 Messages 10 Location Sydney Australia
Thanks for the quick response, and from a fellow Aussie.
Last edited: May 2, 2018
One of the things I want to do this Summer is lubricate any Locks I have.
I want to divide them into 4 catagories.
1) Pad-Locks with Key .... Flush them out with WD-40, then use a 3-IN-ONE oil
2) House Locks ...... Use WD-40 to loosen the moving parts and then 3-IN-ONE Lock Dry Lube
-------------------------------------------------------------------------------
3) Auto Ignition ...... I have never lubricated and never had a problem
4) Auto Door Lock ...... Flush out with WD-40 or Silicone Spray
1) - 4) are only what I'm thinking of doing.
I am NOT a Lock-Smith or Expert.
Question: If using the graphite powder to 'puff' into the lock, should you worry about it caking-up ? ? ?
Joined Dec 31, 2017 Messages 17,697 Location SE British Columbia, Canada
GM reccomends this. It’s silicone with Teflon. 
Joined Mar 30, 2014 Messages 8,498 Location NJ
I've never lubed locks. Never had a problem.
Joined Oct 25, 2012 Messages 4,823 Location Taiwan
I gave my drivers side lock a squirt of WD-40 or similar every now and then.
Now I can't get the key in it.
People tell me I've gummed it up and should have been using graphite powder.
Originally Posted By: Ducked
I gave my drivers side lock a squirt of WD-40 or similar every now and then.
Now I can't get the key in it.
People tell me I've gummed it up and should have been using graphite powder.
Surprising. You might try spraying a solvent like electrical contact cleaner in it and try to work it loose. I've had good luck using contact cleaner for mechanical things (like locks) that are sort of gummed up.
Joined Jan 30, 2018 Messages 862 Location East Texas
With locks, I would say go with something that won't gum up (oxidize) and go with something that is very thin. Graphite slips on itself very well, but it can act as a catalyst for oxidizing reactions with metal. This is further hastened if multiple metals, oxygen, and the graphite are all in contact. This makes it difficult to reap the benefits of graphite while avoiding the corrosion effects that follow it. For perspective, the thinner the oil that it gets paired with ends up running a tighter margin for inhibition, protection, and resisting exposure to oxygen, completing the circuit for corrosion. If you can, I would try a disulfide such as Molybdenum disulfide, PTFE (teflon), or Boron nitride. You can also use ester containing oils, as these are very stable and can be very, very thin as well while still being lubricious.
Last note: acetone makes a great carrier to deliver your lubricant to very tight places, but it can damage a wide range of plastics. If you do have a majority of plastics in your locks, silicone oil (PDMS / siloxane) works very well for providing lubricity on those surfaces.
Overfill
Joined Jan 30, 2018 Messages 862 Location East Texas
Blaster/ B'laster Dry with Teflon (contains acetone)
Liquid Wrench garage door lube
Liquid Wrench penetrating oil
Last edited: May 2, 2018
Graphite can accumulate and cake if the locks are lubricated frequently. If that's your pattern of lubrication, it would be a good habit to flush the lock out from time to time with a solvent or WD-40. There is also a small chance the graphite could wreak havoc with the electricals near the lock.
Tri-Flow is a good lubricant for locks. It has Teflon particles in a quality-based oil.
Joined Jul 1, 2009 Messages 436 Location Seattle
Dont use graphite in locks. Use a teflon spray such as tri-flow. Clean it out with brake clean or contact cleaner then saturate with tri-flow. The solvent will blow out any old lube, or accumulated crud and any moisture.
Last edited: May 2, 2018
Joined Dec 21, 2009 Messages 1,171 Location WPB, FL
at homedepot, plastic safe, can be used as a penetrant, cleans and prevents corrosion, lubricates. Its my go to multi purpose oil. Its almost a joke with friends of mine if there is any problem CRC it, solves all issues.
Last edited: May 2, 2018
Joined Mar 22, 2006 Messages 3,015 Location in the shop
I just rub a construction pencil over the teeth of my keys and it keeps the locks running smooth! Simple and doesn't over do it to cake things up inside.
Gimpy1
Joined Aug 24, 2017 Messages 1,158 Location Displaced Texan in Mexico City
My GTO had alot of issues with the ignition and key. Dry lube did absolutely nothing and one day at work I couldn't remove the key nor turn it. A tow to the dealer and 0 dollars later I found out that it was a design issue. AFAIK most vehicle ignition lock cylinders moving parts have grease on them from the factory, my concern about blowing graphite into the mechanism would be a build up of "Sludge" from the graphite combining with the grease. I'm also wary since graphite is conductive and today's steering columns are chock full of electronic components that excessive amounts of graphite might cause a short. I believe in most vehicle owners manual (at least with my car) there is a list of components and their recommended lubricants, like using di-electric grease on the weather seal etc, and of course all is OE stuff.
BlueOvalFitter
Joined Feb 28, 2003 Messages 11,977 Location Cajun Country, La.
I keep a very small can of WD-40 in my side door compartment to spray in the door lock mechanisms. What gets on the key gets into the ignition switch.
Joined Sep 18, 2012 Messages 6,180 Location DFW
This is all we have ever used for locks - both auto and home. It is specifically made for locks.
Shannow
Joined Dec 12, 2002 Messages 43,919 Location 'Stralia
Originally Posted By: Ducked
I gave my drivers side lock a squirt of WD-40 or similar every now and then.
Now I can't get the key in it.
Saw that at the rifle range regularly.
A guy's bolt would gum up and Willy would race to the rescue with his WD40, saturating it, washing away the gum, and off they went.
8=10 weeks later, same guy same gummy bolt...WD40 does that.
Joined Dec 5, 2009 Messages 28,049 Location Regina, Saskatchewan, Canada
Originally Posted By: Snagglefoot
GM reccomends this. It’s silicone with Teflon.
I'm generally a fan of AC Delco products like this, but "Syncolon" as a trade name? Oy vey!
Generally speaking, with the taxis, simple WD-40 did good enough over the years. I generally prefer something similar to this GM product, though, at least for me.
Status Not open for further replies.
Similar threads
1 Week Review - 2025 Toyota Tacoma Hybrid Limited
-
meep
- Feb 22, 2025
- Vehicles
2
Replies 38 Views 8K
- Oro_O
- Jan 5, 2020
- Mechanical/Maintenance Forum
2 3
Replies 44 Views 24K
- Nuclear_42
- Oct 1, 2023
- Firearms: Lubes, Cleaners, & Maintenance
2
Replies 28 Views 16K
Don’t assume the ignition key will unlock the doors, or you may be locked out.
- atikovi
- Feb 4, 2020
- Automotive General Topics
Replies 19 Views 2K
Frozen door locks! Finding longterm solution
Replies 20 Views 7K
-
Home
-
Forums
-
Lubrication and General Automotive
-
Mechanical/Maintenance Forum
- Contact us
- Terms and rules
- Privacy policy
-
Help
- Home
-
RSS
Member FDIC.
|
3.70%
Rate info Circle with letter I in it. 3.70% annual percentage yield as of April 26, 2025. Terms apply.
|
|
Open Account for American Express® High Yield Savings Account
On American Express's Secure Website.
|
CIT Platinum Savings
Member FDIC.
APY
4.10% APY for balances of ,000 or more
Rate info Circle with letter I in it. 4.10% APY for balances of ,000 or more; otherwise, 0.25% APY
Min. to earn
0 to open account, ,000+ for max APY
Member FDIC.
|
4.10% APY for balances of ,000 or more
Rate info Circle with letter I in it. 4.10% APY for balances of ,000 or more; otherwise, 0.25% APY
|
0 to open account, ,000+ for max APY
|
|
Barclays Tiered Savings
Member FDIC.
APY
4.10%
Rate info Circle with letter I in it. Balances less than 0,000 earn 4.10%, and balances greater than 0,000 earn 4.30%.
Member FDIC.
|
4.10%
Rate info Circle with letter I in it. Balances less than 0,000 earn 4.10%, and balances greater than 0,000 earn 4.30%.
|
|
Open Account for Barclays Tiered Savings
On Barclays' Secure Website.
|
Our Research Expert
Managing editor for Motley Fool Money. James has worked full-time for The Motley Fool since 2012. A longtime editor and former reporter, James oversees the production and quality of Motley Fool Money's editorial content.
Share this page
Blue Twitter Icon Share this website with Twitter
Email Icon Share this website with email
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool has a disclosure policy.
Motley Fool Money is a Motley Fool service that rates and reviews essential products for your everyday money matters.
Copyright © 2018 - 2025 Motley Fool Money. All rights reserved.
|
