If you put $20,000 in a 6-month CD with a 4.00% APY, your interest earnings would total about $396 when the CD matures.

See how much interest you could earn by putting $20,000 into a CD -- plus where to find the best rates right now.

Here's why opening a 6-month CD in July 2025 could be a smart, low-risk move for savers -- and how to tell if it's the right ...