To still offer high CD rates, banks have made short-term rates more appealing. If you're strictly searching for the best CD rates , though, online banks have even more competitive rates right now. Browse a selection of other high-yield accounts below. Chase has a solid 9-month CD if you qualify for a relationship rate. When the Fed lowers the federal funds rate to stimulate economic growth, CDs become less competitive.
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Read MoreThese include white papers, government data, original reporting, and interviews with industry experts. The bank's CD rates may vary by region and minimum deposit. Related Articles. Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. Article Sources. We use a scale of 0 to 5 for each category, then average the scores together to calculate the CDs' overall rating. You'll qualify for a higher relationship rate if you have a Chase checking account, though.