Best Short-Term CDs in 2025 – High-Yield & Flexible Savings

What Are Short-Term CDs? Short-term Certificates of Deposit (CDs) are time deposits that typically range from three months to one year. They offer a fixed interest rate for a short period, making them an excellent choice for savers who want guaranteed returns without long-term commitments. Why Choose Short-Term CDs in 2025? In 2025, economic conditions and fluctuating interest rates make short-term CDs an attractive option. They provide:

• Higher Interest Rates – Many banks are offering competitive yields on short-term CDs.
• Liquidity & Flexibility – Your money isn’t locked away for years, giving you quick access to funds.
• Low Risk – Unlike stocks, CDs are FDIC-insured up to $250,000 per depositor.
• Better Interest Than Savings Accounts – Most short-term CDs offer higher APYs than traditional savings accounts.

Top Short-Term CDs to Consider in 2025

Ally Bank 6-Month CD

• Minimum Deposit: $0
• APY: 5.00%
• FDIC Insured: Yes
• Features: No minimum deposit, easy online management, high yield.

Marcus by Goldman Sachs 12-Month CD

• Minimum Deposit: $500
• APY: 5.15%
• FDIC Insured: Yes
• Features: Competitive APY, flexible terms, and automatic renewal options.

Capital One 360 9-Month CD

• Minimum Deposit: $0
• APY: 4.95%
• FDIC Insured: Yes
• Features: No minimum balance, easy mobile banking access, and strong reputation.

Synchrony Bank 3-Month CD

• Minimum Deposit: $2,000
• APY: 4.80%
• FDIC Insured: Yes
• Features: Shortest term, high-interest rate, and secure savings.

Discover Bank 1-Year CD

• Minimum Deposit: $2,500
• APY: 5.20%
• FDIC Insured: Yes
• Features: Best for high-yield savings, stable and reliable returns.

How to Choose the Best Short-Term CD?

• Compare Interest Rates – Look for the highest APY to maximize your savings.
• Check the Minimum Deposit Requirement – Some banks require $0, while others may need $500 or more.
• Understand Early Withdrawal Penalties – Some CDs charge high penalties for early withdrawal.
• Choose a Reputable Bank – Ensure the bank is FDIC-insured and has good customer service.

Are Short-Term CDs Worth It in 2025? Short-term CDs are an excellent option for those who want to take advantage of high-interest rates without committing for years. If you’re looking for a safe, high-yield savings option in 2025, these CDs can help grow your money securely. Final Thoughts The best short-term CDs in 2025 offer high yields, flexibility, and security. Whether you want a 3-month, 6-month, or 12-month CD, choosing the right option will help you maximize returns while keeping your funds accessible.