Fixed Income Today: Best Rates for CDs and Savings in the US (June 30, 2025)

CDs: Fixed rates reaching up to 5.25% APY

Top offers include CDs with fixed annual percentage yields (APY) up to 5.25%, typically with maturities between 12 to 18 months. There are also inflation-linked CDs available in some credit unions, offering inflation + 1.5%, ideal for protecting purchasing power.

High-Yield Savings Accounts: Competitive APYs

High-yield savings accounts continue to offer competitive rates, reaching 4.35% to 4.80% APY, depending on the institution and minimum deposit requirements.

Market Overview and Outlook

Last week ended with Treasury yields stabilizing after US inflation data reinforced expectations of a potential Federal Reserve rate cut later this year. The yield on the 10-year Treasury note closed at 4.20%, while the 2-year note yield settled around 4.60%.

According to analysts, the fixed income market maintains attractive opportunities for conservative investors, especially in an environment of stable inflation and resilient labor market data.

Conclusion

CDs and high-yield savings accounts remain valuable tools for building secure and predictable returns in 2025, supporting diversified investment strategies for both short and long-term goals.

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