How much interest will a $25,000 6-month CD earn at today's rates?
Moving $25,000 into a 6-month CD could prove to be lucrative. Here's how much interest savers can expect to earn.
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September 9, 2026 / 3:24 PM EDT / CBS News
In today's unique economic climate, sitting still and temporarily waiting for things to stabilize could be the best approach. Unfortunately, that's not an option for many savers. With traditional savings accounts, high-yield savings and money market accounts all employing variable interest rates that will adjust to market conditions, your interest-earning potential with any of those three will rise or fall based on how the economy evolves. But that's not the case with a certificate of deposit (CD) account , which comes with a high, fixed interest rate that won't change. As such, it could be a smart place to park your $25,000 for the next six months.
Before making any five-figure transfers, however, savers should take the time to make a few strategic moves. That starts with shopping around to see which rates and offers they can actually qualify for and it may mean researching online banks , specifically, which often offer better returns than banks with in-person branch locations. Savers are also advised to calculate their interest earnings before getting started to both ensure the value of the account and to understand if an early withdrawal penalty may be worth paying in the future. So, how much interest will a $25,000 6-month CD actually earn at today's rates? That's what we'll break down below.
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