Recommended Free Tools
CD-rate roundups published for April 1, 2025, did not agree on the highest advertised APY: Yahoo Personal Finance reported 4.50%, while a Motley Fool roundup syndicated by AOL listed offers up to 4.65% in a table dated March 31. These are historical figures, not current offers or a single verified market ranking.
What CD rates were reported for April 1, 2025?
Yahoo Personal Finance named Marcus by Goldman Sachs and LendingClub as its highest-rate offers, both at 4.50% APY. The Motley Fool’s AOL-syndicated roundup listed two offers at 4.65% APY and several other offers. Its table was marked accurate as of March 31, 2025. The sources do not establish why their reported maxima differ or whether every offer was available to every reader.
| Publisher and rate date | Institution | APY | Term | Minimum opening deposit |
|---|---|---|---|---|
| Yahoo Personal Finance, April 1, 2025 | Marcus by Goldman Sachs | 4.50% | 14 months | $500 |
| Yahoo Personal Finance, April 1, 2025 | LendingClub | 4.50% | 10 months | $2,500 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | OMB | 4.65% | 7 months | $1,000 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | DR Bank | 4.65% | 6 months | $500 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | MutualOne Bank | 4.59% | 6 months | $500 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | Brilliant Bank | 4.55% | 9 months | $1,000 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | Marcus | 4.50% | 14 months | $500 |
| The Motley Fool, syndicated by AOL; table dated March 31, 2025 | LendingClub | 4.50% | 10 months | $2,500 |
These figures reproduce the named offers in the respective historical editorial roundups; they do not establish today’s rates, geographic eligibility, or whether an offer was available to a particular depositor. The excerpts do not state offer-specific early-withdrawal penalties, maturity or renewal rules, or institution-level deposit-insurance status.
How to compare a CD beyond its APY
A higher APY is useful only if the term and access rules suit your plans for the money. Before opening a CD, compare these details directly with the issuing institution:
#1 Best Overall
- [LARGE DISPLAY] - The huge LCD screen that clearly displays big numbers makes it easy to read from afar, and it’s aesthetically pleasing.
- [SENSITIVE AND BIG BUTTONS] - Your calculation process will be faster and smoother with this calculator’s responsive buttons. Once pressed, the buttons quickly register and display the corresponding number on the screen. The big size of the buttons prevents you from hitting the wrong button.
- [DUAL POWER DESIGN] - This calculator utilizes both the solar power and battery power (battery included). The solar panel, as long as you use it in a lit environment, will power up the calculator thoroughly.
- [VERSATILE PURPOSES] -This calculator is designed for many occasions: business, office, home, basic budgeting, school, and more. Use it to assist your personal finance or just a quick calculation session.
- [FUNCTIONALITIES] - Add, subtract, multiply, divide, backspace, grand total, CE, %, M+/M-/MRC, On/AC Button, and Auto Power-Off. The calculator will turn itself off after about 6 minutes of being idle.
- Term and timing: Match the maturity date to when you expect to need the funds. Taking money out early may incur a penalty; the historical roundup excerpts do not specify the penalties for the offers above.
- Minimum deposit: Check that the opening amount fits your budget and that you are comfortable locking it up for the term.
- Maturity and renewal: Confirm what happens at maturity, whether the CD renews automatically, and how long any grace period lasts.
- Eligibility and location: Verify that you can open the account where you live and satisfy any account-specific requirements.
- Deposit insurance: Confirm that the bank is FDIC-insured or, for a credit union, that deposits are NCUA-insured. The cited excerpts do not establish the insurance status of each named institution.
- Rate terms: Confirm the APY, term, minimum, and all account conditions with the issuer; a dated editorial listing is not a substitute for current account disclosures.
What the 2025 rate context does—and does not—show
Yahoo Personal Finance attributed declining deposit rates to Federal Reserve cuts in 2024. Its April 2025 article said the Fed raised rates 11 times between March 2022 and July 2023 and began cutting in September 2024. That is the article’s historical explanation for the period, not a forecast of current CD rates.
The same article gave historical comparisons of about 1% APY for an average one-year CD in 2009 and less than 2% for five-year CDs; for 2013, it cited about 0.1% APY for average six-month CDs and 0.8% for five-year CDs. These are figures as reported in that secondary article, not a primary statistical series.
Quick Recap
Best Value
- EASY-TO-USE DESIGN - With its large screen, this calculator is made for convenient and comfortable everyday use. Its tilted and angled display allows you to easily see your calculations without straining your eyes.
- LARGE RESPONSIVE BUTTONS - Spacious button sizes ensure that your fingers are much less likely to hit the wrong number, all while providing a satisfying sensation when typing.
- ROBUST BUILD - Built with a sturdy and premium plastic body, this desktop calculator is constructed with everyday use in mind. It is convenient, powerful, and long lasting.
- VERSATILE FUNCTIONS - With its add, subtract, multiply, divide, percent, grand total and CE Button functionalities, this calculator's versatile nature allows it to be used in many occasions.
- DUAL POWER SOURCES - With the aid of its dual solar and battery power system, this calculator is fully powered in any lit environment. The battery comes included with the calculator, ensuring quick and easy access right away. PLEASE NOTE: The calculator will turn itself off after about 6 minutes of being idle.
Rank #4
Rank #3
- [LARGE DISPLAY] - The huge LCD screen that clearly displays big numbers makes it easy to read from afar, and it’s aesthetically pleasing.
- [SENSITIVE AND BIG BUTTONS] - Your calculation process will be faster and smoother with this calculator’s responsive buttons. Once pressed, the buttons quickly register and display the corresponding number on the screen. The big size of the buttons prevents you from hitting the wrong button.
- [DUAL POWER DESIGN] - This calculator utilizes both the solar power and battery power (battery included). The solar panel, as long as you use it in a lit environment, will power up the calculator thoroughly.
- [VERSATILE PURPOSES] -This calculator is designed for many occasions: business, office, home, basic budgeting, school, and more. Use it to assist your personal finance or just a quick calculation session.
- [FUNCTIONALITIES] - Add, subtract, multiply, divide, backspace, grand total, CE, %, M+/M-/MRC, On/AC Button, and Auto Power-Off. The calculator will turn itself off after about 6 minutes of being idle.
Rank #2
- EASY-TO-USE DESIGN - With its large screen, this calculator is made for convenient and comfortable everyday use. Its tilted and angled display allows you to easily see your calculations without straining your eyes.
- LARGE RESPONSIVE BUTTONS - Spacious button sizes ensure that your fingers are much less likely to hit the wrong number, all while providing a satisfying sensation when typing.
- ROBUST BUILD - Built with a sturdy and premium plastic body, this desktop calculator is constructed with everyday use in mind. It is convenient, powerful, and long lasting.
- VERSATILE FUNCTIONS - With its add, subtract, multiply, divide, percent, grand total and CE Button functionalities, this calculator's versatile nature allows it to be used in many occasions.
- DUAL POWER SOURCES - With the aid of its dual solar and battery power system, this calculator is fully powered in any lit environment. The battery comes included with the calculator, ensuring quick and easy access right away. PLEASE NOTE: The calculator will turn itself off after about 6 minutes of being idle.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
