CD rates today offer up to 5.02%, varying based on certificate term lengths.Longer CD terms used to yield higher returns, but this trend has changed in recent times.Consider CD terms that align with your financial needs to maximize benefits.Rates for three-month and six-month CDs range from 1.3% to 4.94%.For a one-year CD, the highest rate stands at 5.02%.Two-year CDs offer rates as high as 4.52% while three-year CDs offer around 4.27%.Five-year CD rates reach up to 4.26% with potential early withdrawal penalties.Jumbo CDs with higher deposits may offer rates like 4.94% for 6-month terms.It's crucial to understand early withdrawal penalties before investing in CDs.CDs provide a safe investment option with FDIC and NCUA insurance protections.