Top CDs offer rates around 4% to 4.5% APY
The highest CD rate is 4.10% APY, offered by Marcus by Goldman Sachs on its 14-month CD.
Historically, CD rates have been volatile, with the 2000s marked by the dot-com bubble and the global financial crisis of 2008.
The trend of falling CD rates continued into the 2010s, especially after the Great Recession of 2007-2009, with average rates on 6-month CDs falling to about 0.1% APY by 2013.