The Federal Reserve maintained interest rates last month. CD rates are influenced by the Fed's decision. Since the Fed didn't cut rates, it's likely CD rates will hold steady in February.

No-Penalty CD Reviews Climate First Bank offers a 6-month no-penalty CD with a strong rate. It's also an eco-friendly bank, as well as a bank that offers LGBTQ-friendly banking accounts.

Business Insider's personal finance team compared Citizens CD rates to the best CD rates and found it to be a standard offering. Some of its CDs offer competitive rates, but not all, and it doesn ...