Best Cd Rates 2025 Citibank. Learn about current cd rates for fixed rate, step up and no penalty cds. We identified the best cd rates and accounts available today based on interest rates, fees, and more.

If you shop around, you can find banks offering 5.00% apy or more on cds. Citibank offers 19 “fixed rate” certificate of deposit (cd) terms, ranging from three months to five years.