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Best Cd Rates January 2025. Certificates of deposit (cds) can be an arrow in your savings quiver, best used to generate good returns on cash you don’t need right away. Best cd rates for january 9, 2025. Top yields on cds peaked late in 2023, and while they’ve been slipping slightly, overall they’re still at a multiyear high. Emily mcnutt, cnn underscored money.