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15 Best 1-Year CD Rates for January 2023 - NerdWallet Jan 23, 2023 · NerdWallet's Best 1-Year CD Rates for January 2023. Marcus by Goldman Sachs High-Yield CD: Best for 1-Year CD Rates, 4.30% APY. Citi® CD: Best for 1-Year CD Rates, 4.15% APY. Bread Savings™️ ... Online CD Savings Accounts & Interest Rates | Capital One CD rates are fixed upon opening the account. Early withdrawal penalties apply. Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD and results in the above table are rounded to the nearest dollar. What Is a CD Ladder? - NerdWallet A CD ladder is a savings strategy to put equal amounts of cash into multiple CDs. This lets you benefit from higher rates in long-term CDs while getting frequent access to funds from short-term CDs. Cd word template