Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? By 2013, average rates on 6-month CDs fell to about 0.1% APY, while 5-year CDs returned an average of 0.8% APY. At this point, CD rates showed a slight improvement as the economy expanded, marking the end of nearly a decade of ultra-low rates. How to choose the best CD ratesWhen opening a CD, choosing one with a high APY is just one piece of the puzzle.