"Buy some one year, some two years, some three years, etc." See all the best short-term CD rates you can qualify for here. Right now, both CD rates and savings rates in general offer higher rates ...

Lock in high CD rates now. With the Fed lowering rates in 2024 and further cuts expected, CD rates will probably drop later this year.

Many savers are turning to one-year certificates of deposit (CDs) right now, and for good reason ... The national average APY earned on a one-year CD is currently 1.86 percent as of March 2025.