Top CD Rates Today, Jan. 3, 2025 - The Highest APY in the Country Is Now 4.85%

Key Takeaways Yesterday saw the end of CD rates topping 5%, a fixture for savers since 2022. Currently, eight CDs offer 4.75% or more, including two certificates guaranteeing 4.85%: PonceBankDirect for 3 months or Tampa Bay Federal Credit U
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