Opening a CD now can be a way to protect future earnings in case the Fed cuts rates again. Our CD selections offer terms from as short as three months to as long as 10 years. You’ve got a checking account for paying bills and things that require immediate access to your funds. And you’ve got a high-yield savings account so your emergency fund earns an above-average APY while stashed away. The smart consumer might opt to open a certificate of deposit—or even several—to protect their savings from market changes that can cause the interest rate offered on other types of deposit accounts to fluctuate. With our top picks for CDs, you can earn an APY of up to 4.25%. Fortune has joined forces with the banking industry experts at Curinos to monitor top CD rates and keep consumers informed. Here are some of our favorites for a variety of needs and terms. If you’re simply looki…

At $10,000 , the minimum deposit is steep. If you need an alternative, consider our pick for the best CD with a low minimum deposit, highlighted directly below this section. Read our roundup of Popular Direct CD rates. E*TRADE CDs require no minimum deposit, and many of them offer highly competitive yields. Our top pick for this category is the 12-month CD with its 4.15% APY. When you’re looking to secure a strong earning rate for a year but you don’t necessarily want to tie up hundreds or thousands of dollars, this might be the right investment for you. Consider the 3-month CD from Northern Bank Direct if you want to earn a generous rate without locking away your money for too long. It offers a strong 4.00% APY and requires a fairly low minimum deposit of $500 .