Best CD Rates This Week: Don't Miss Out on APYs as High as 4.50%

Top CDs boast APYs more than three times the national average for some terms. Zooey Liao/CNET A certificate of deposit can be a smart way to protect your money from the ups and downs of the market. Your rate is fixed when you open a CD so your returns will stay the same regardless of what happens in the economy.

At a time when tariffs, inflation and recession worries fill the news, this peace of mind can be especially valuable. Today's top CDs offer annual percentage yields as high as 4.40% -- more than three times the national average for some terms.



But we've seen rates tipping downward in recent weeks so if you're thinking of opening a CD, doing it sooner rather than later could be a wise move. Best CD rates this week Term Highest APY* Bank Estimated earnings on $1,000 deposit Estimated earnings on $5,000 deposit Estimated earnings on $10,000 deposit 6 months 4.50% CommunityWide Federal Credit Union $22.

25 $111.26 $222.52 1 year 4.

40% Bask Bank; CommunityWide Federal Credit Union $44.00 $220.00 $440.

00 3 years 4.15% America First Credit Union $129.74 $648.

69 $1,297.38 5 years 4.20% America First Credit Union $228.

40 $1,141.98 $2,283.97 Experts recommend comparing rates before opening a CD account to get the best APY possible.

Enter your information below to get CNET's partners' best rate for your area. Top perks of CDs CDs offer many benefits, including: Low risk: CDs held by an FDIC-insured bank or NCUA-insured credit union are protected for up to $250,000 per depositor, institution and account category. That means that if your bank fails, your money is safe.

Other investments, like stocks, may potentially yield higher returns over the long...

Kelly Ernst.