We Asked 10 Financial Advisers: What’s the Secret to Investing in CDs Now, With A Handful Still Paying 5% APY and Up?

With the Federal Reserve holding rates steady so far in 2025, banks and credit unions are already lowering CD yields, though top rates still range from 4% to over 5% APY. Financial advisers, including CFP Board Ambassadors Autumn Knutson, CFP® and Jamie Bosse, CFP®, weigh in on whether, how much and what terms investors should consider.

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