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Shares of DaVita (DVA) lost ground Monday after the kidney disease treatment company revealed it had suffered a ransomware attack.

In a filing with the Securities and Exchange Commission (SEC), DaVita said that on Saturday it “became aware of a ransomware incident that has encrypted certain elements of our network.”

The Denver-based dialysis services firm added that “the incident is impacting some of our operations, and while we have implemented interim measures to allow for the restoration of certain functions, we cannot estimate the duration or extent of the disruption at this time.”

DaVita said it has “activated our response protocols and implemented containment measures, including proactively isolating impacted systems. We are actively working to assess and remediate the incident with the assistance of third-party cybersecurity professionals and have notified law enforcement of the matter.”

Shares of DaVita fell 3% Monday. They are little changed in 2025 but up 16% over the past 12 months.

UPDATE—April 14, 2025: This article has been updated since it was first published to reflect more recent share price values.

Apple (AAPL), Dell Technologies (DELL), and other tech stocks gained Monday, after President Donald Trump imposed a pause on import tariffs on many electronic goods.

Smartphones, computers, and semiconductors have been exempted from Trump’s “reciprocal” tariffs, according to updated guidance from the U.S. Customs and Border Protection Friday, although Commerce Secretary Howard Lutnick on Sunday suggested the carve-out would be temporary.

JPMorgan analysts said the exemption would be “a big relief” for Apple, which makes most of its devices in China. They said they expect Apple “to significantly accelerate its diversification plans, including an initial focus on the assembly footprint.” India now makes up around 15% of iPhone production, with Vietnam representing “a significant manufacturing center for Airpods and Watch, while still ramping on iPads and Macs,” they said.

Apple shares added about 2% Monday, extending Friday’s gains. They have, however, lost nearly a fifth of their value so far this year.

Laptop maker Dell, which makes most of its products outside the U.S., saw its shares rise 4% Monday. JPMorgan analysts said in a separate note on retailer Best Buy (BBY), that they believe the pause in consumer electronics tariffs “is a clear indication of the importance of the products to the US consumer and the weight of large US companies” like Dell, Apple, and others.

Shares of several semiconductor firms, including Advanced Micro Devices (AMD), Western Digital (WDC), and NXP Semiconductors (NXPI), gained as well. (Read Investopedia’s live coverage of today’s market action here.)

UPDATE—April 14, 2025: This article has been updated since it was first published to reflect more recent share price values.

Below you’ll find featured rates available from our partners, followed by details from our ranking of the best CDs available nationwide.

Rates of 4.50% to 4.65% You Can Guarantee as Long as 2026

The nation’s leading CD rate held its ground today at 4.65%. INOVA Federal Credit Union and OMB both offer that APY for 7 months, locking in your return until this fall.

If you’d rather extend your rate lock until 2026, two top CDs pay 4.60%. Abound Credit Union offers that rate for a 10-month duration, while Vibrant Credit Union matches that APY for 13 months.

A total of 21 CDs pay at least 4.50%, with the longest term among these being 18 months. This CD is available from XCEL Federal Credit Union and will lock in your rate until October of next year.

All Federally Insured Institutions Are Equally Protected

Your deposits at any FDIC bank or NCUA credit union are federally insured, meaning you’re protected by the U.S. government in the unlikely case that the institution fails. Not only that, but the coverage is identical—deposits are insured up to $250,000 per person and per institution—no matter the size of the bank or credit union.

Consider Longer-Term CDs To Guarantee Your Rate Further Into the Future

For a rate lock you can enjoy into 2027, Veridian Credit Union is paying 4.40% APY for a full 24 months. Meanwhile, Genisys Credit Union leads the 3-year term, offering 4.32% for 30 months.

CD shoppers who want an even longer guarantee might like the leading 4-year or 5-year certificates. Vibrant Credit Union is paying 4.40% APY for 48 months, while Transportation Federal Credit Union promises that same rate for 60 months—ensuring you’d earn well above 4% all the way until 2030.

Multiyear CDs are likely smart right now, given the possibility of Fed rate cuts in 2025 and perhaps 2026. The central bank has so far lowered the federal funds rate by a full percentage point, and this year could see additional cuts. While any interest-rate reductions from the Fed will push bank APYs lower, a CD rate you secure now will be yours to enjoy until it matures.

Today’s Best CDs Still Pay Historically High Returns

It’s true that CD rates are no longer at their peak. But despite the pullback, the best CDs still offer a stellar return. October 2023 saw the best CD rates push above 6%, while the leading rate is currently down to 4.65%. Compare that to early 2022, before the Federal Reserve embarked on its fast-and-furious rate-hike campaign. The most you could earn from the very best CDs in the country then ranged from just 0.50% to 1.70% APY, depending on the term.

Jumbo CDs Top Regular CDs in Just One Term

Jumbo CDs require much larger deposits and sometimes pay premium rates—but not always. In fact, the best jumbo CD rates right now are lower than the best standard CD rates in all but two terms track. In the 3-year term, Hughes Federal Credit Union is offering 4.34% for a 3-year jumbo CD vs. 4.32% for the highest standard rate. And among 18-month CDs, both the top standard and top jumbo CD pay the same rate of 4.50% APY.

That makes it smart to always check both types of offerings when CD shopping. If your best rate option is a standard CD, simply open it with a jumbo-sized deposit.

Where Are CD Rates Headed in 2025?

In December, the Federal Reserve announced a third rate cut to the federal funds rate in as many meetings, reducing it a full percentage point since September. But in January and March, the central bankers declined to make further cuts to the benchmark rate.

The Fed’s three 2024 rate cuts represented a pivot from the central bank’s historic 2022–2023 rate-hike campaign, in which the committee aggressively raised interest rates to combat decades-high inflation. At its 2023 peak, the federal funds rate climbed to its highest level since 2001—and remained there for nearly 14 months.

Fed rate moves are significant to savers, as reductions to the fed funds rate push down the rates banks and credit unions are willing to pay consumers for their deposits. Both CD rates and savings account rates reflect changes to the fed funds rate.

Time will tell what exactly will happen to the federal funds rate in 2025 and 2026—and economic policies from the Trump administration have the potential to alter the Fed’s course. But with more Fed rate cuts possibly arriving this year, today’s CD rates could be the best you’ll see for some time—making now a smart time to lock in the best rate that suits your personal timeline.

Daily Rankings of the Best CDs and Savings Accounts

We update these rankings every business day to give you the best deposit rates available:

Important

Note that the “top rates” quoted here are the highest nationally available rates Investopedia has identified in its daily rate research on hundreds of banks and credit unions. This is much different than the national average, which includes all banks offering a CD with that term, including many large banks that pay a pittance in interest. Thus, the national averages are always quite low, while the top rates you can unearth by shopping around are often five, 10, or even 15 times higher.

How We Find the Best CD Rates

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs to customers nationwide and determines daily rankings of the top-paying certificates in every major term. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), the CD’s minimum initial deposit must not exceed $25,000, and any specified maximum deposit cannot be under $5,000.

Banks must be available in at least 40 states. And while some credit unions require you to donate to a specific charity or association to become a member if you don’t meet other eligibility criteria (e.g., you don’t live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.

Consumers say they’re worried about the economy’s direction, but those fears aren’t expected to appear in the March retail sales report.

Backed by high auto sales, consumers likely rushed to stores in March to avoid potential price increases spurred by tariffs. Economists surveyed by Dow Jones Newswire and The Wall Street Journal expect March retail sales data to increase by 1.2% over the prior month. The report is scheduled to be released on Wednesday at 8:30 a.m. ET.

“Consumers fretting over another spike in goods prices due to reciprocal and sectoral import tariffs implemented in April have been keen to speed up their planned goods purchases,” wrote Scott Anderson, chief U.S. economist at BMO Economics. 

Consumer spending is an important economic factor that has kept the country from recession in recent years. Economists have said a slowdown in spending could push the economy closer to a downturn.

Automobile Sales Seen as Driving March Growth

The spending surge would represent an improvement over the year’s slow start. February’s meager growth followed a “holiday hangover” plunge in January.  But while the overall numbers are expected to be good, the report’s details may not represent as much of an improvement as it appears. 

Automobile sales are expected to drive most of the sales growth, with early March data showing car sales reached their highest level since April 2021. Economists attributed this spike to car buyers looking to get ahead of U.S. tariffs of 25% on all imported cars.

Without the sales of automobiles and gasoline, BMO economists expect retail sales only grew by 0.2% in March.

Even with the car sales, March data isn’t expected to be enough to rescue retailers from poor first-quarter results, which is expected to be the softest for retail sales since 2020, Wells Fargo economists wrote.

“On balance, performance so far this year suggests consumer spending growth has stalled in the face of heightened uncertainty about tariffs and their impact on the outlook,” Wells Fargo wrote. 

Spending Slowdown May Be Coming

A recent spate of poor consumer sentiment surveys has economists projecting a slowdown in reports like retail sales and earnings, but it’s not likely to happen yet.

Consumer sentiment has declined for several months as President Donald Trump’s proposed tariff policies have raised concerns about higher inflation and created volatile market conditions. However, many tariffs didn’t go into effect until April and even then, may not have much effect on prices for some time.

“The deterioration in optimism is not a positive development for consumer spending, but we don’t expect it alone will drive households into hiding,” Wells Fargo economists Tim Quinlan and Shannon Grein.

Major U.S. equities indexes ticked higher to start the new trading week after the Trump administration announced smartphones, computers, and other electronics would be exempt from “reciprocal” tariffs, even as Commerce Secretary Howard Lutnick suggested that the carve-outs could be only temporary.

The S&P 500 and the Dow ended Monday’s session approximately 0.8% higher, while the Nasdaq gained 0.6%. 

Charles River Laboratories (CRL) posted the strongest daily gain of any S&P 500 stock, as shares added 6.9%. With Monday’s push higher, the stock clawed back a portion of the sharp decline posted late last week after the Food and Drug Administration said it would phase out animal testing requirements in the development of monoclonal antibodies and other treatments.

Palantir Technologies (PLTR) shares surged 4.6% after the North Atlantic Treaty Organization (NATO) announced it acquired an AI-based military system developed by the data analytics software firm. NATO said the procurement, “was one of the most expeditious in NATO’s history, taking only six months from outlining the requirement to acquiring the system.” 

Several stocks in the health care sector lost ground as health insurers gave back some of the gains posted last week after the government said payments to Medicare insurers next year would be higher than previously expected. Humana (HUM) shares, which have been under pressure over the past year amid downgrades to its Medicare offerings and soft membership additions, sank 3.5%, marking the weakest performance in the S&P 500. UnitedHealth Group (UNH) shares fell 2.1% ahead of its earnings report expected later this week.

DaVita (DVA), which provides dialysis services for patients with kidney disease, announced it had been affected by a ransomware attack. According to a filing with the Securities and Exchange Commission, the incident resulted in the encryption of certain elements in DaVita’s network and affected parts of its operations, but the health care company said it is taking measures to mitigate the issues. DaVita shares dropped 3% Monday.

Southwest Airlines (LUV) shares declined 2.4% after the carrier said its travel credits would expire 12 months from the purchase date of the original ticket for most flights, ending its policy of providing credits with no expiration date. The new policy marks the end of another longstanding perk for the airline, which moved toward a paid baggage model last month, raising concerns that more Southwest travelers could be required to gate-check their carry-on luggage.

The next time you withdraw more money than is in your checking account, it could cost you about $35, or $5: it’s all up to whether President Donald Trump signs a bill passed by lawmakers last week. 

The House of Representatives voted 217-211 last week to repeal a President Joe Biden-era rule created by the Consumer Financial Protection Bureau, which would have capped most bank overdraft fees at $5 starting in October. The measure, which passed the Senate last month, is now on the desk of Trump, who is expected to sign it into law, according to a report by the New York Times.

The overdraft fee limit was one of the bureau’s final rules created in the last days of the Biden administration. According to CFPB research, it would have saved consumers about $5 billion each year, or $225 for every household that paid overdraft fees.

Banks Cheer New Rule; Consumer Groups Are Displeased

The banking industry said the overdraft fee cap would have prompted banks to stop offering the service, while consumer groups said the regulation would have saved consumers billions.

Banks charge overdraft fees when customers attempt to withdraw more money from a checking account than they have. In such cases, banks can either deny the transaction or allow it to proceed but charge a fee, usually around $35, according to the bureau.

The Community Bankers Association, a trade group representing banks, argued overdraft services allowed customers to avoid more financially damaging alternatives when they were short on cash, such as payday loans or paying late fees on their bills. The group said the $5 limit would cause banks to stop offering the service altogether.

“We applaud the House for joining the Senate in voting to preserve consumer access to overdraft services by overturning the Biden-Chopra CFPB’s misguided rule to impose government price controls on this vital financial product,” CBA CEO Lindsey Johnson said in a statement.

Consumer groups said Congress’s rule helped banks that continue to charge overdraft fees at the expense of consumers, and noted many banks, including Capital One, Citibank, and Ally, have curtailed or eliminated their own overdraft fees in recent years.

“Republicans in Congress had a chance to put $5 billion back in the pockets of working people, including servicemembers, by dramatically cutting big bank overdraft fees,”  Lauren Saunders, associate director of the National Consumer Law Center, said in a statement. “Instead, they sided with Wells Fargo, Chase, and Navy Federal Credit Union, allowing them to use abusive overdraft fees to pad their profit margins.”

Congressional Move Is the Latest Reversal for CFPB

The demise of the overdraft fee limit is one of many sharp reversals in consumer protection policy since the change of presidential administration.

Under Trump, the White House has moved to dismantle the CFPB completely, firing employees en masse and shutting down its operations. The fate of the bureau is currently in the hands of judges as a lawsuit by the bureau’s employee union makes its way through the courts.

This weekend, an appeals court ruled that the Trump administration could not eliminate the agency, at least for the time being. However, it could fire workers deemed unnecessary to carry out the bureau’s responsibilities as defined by the 2010 law establishing the agency.

Goldman Sachs lowered its outlook for U.S. hotels Monday, pointing to lagging consumer demand, growing economic uncertainty, and troubling signals from the airline industry.

The bank said it now expects U.S. hotels’ average revenue per available room, or RevPAR, to grow 0.4% in 2025, down from its prior estimate of 1.4%. As a result, Goldman analysts dropped their rating for Hyatt Hotels (H) stock to “sell,” and downgraded Marriott International (MAR) and Hilton Worldwide (HLT) to “neutral.” 

The updated forecast does not account for a recession, Goldman said, which “would likely drive further downside.” The bank currently places the odds of a recession at 45%, noting that past economic downturns have brought double-digit declines in RevPAR.

Shares of Hyatt dropped 3% Monday, while Marriott and Hilton fell about 1%, amid broader market gains. (Read Investopedia’s live coverage of today’s market action here.)

Airline Forecast Cuts Weigh on Sentiment

In March, three of the largest U.S. airlines—Delta Air Lines (DAL), Southwest Airlines (LUV), and American Airlines (AAL)—had dropped projections for the first quarter of the year, citing weakening travel demand amid worries about the economy.

Delta CEO Ed Bastian said last week that people are “acting as if we’re going [into] a recession,” and the airline withdrew its full-year guidance.

The demand warning from airlines hit travel stocks across the booking industry, including hotels and cruise lines. Shares of Hilton, Marriott, and Hyatt have all lost about a fifth of their value since the beginning of March.

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Don’t forget: Tax returns are due tomorrow.

Filers must send their returns on time or get an extension to avoid paying a penalty. According to the latest information from the IRS, more than 101.4 million people filed their taxes as of April 4, and 67% got a refund.

This year, taxpayers received an average of around $100 more in refunds than last year. About $211.1 billion has been refunded, with the average amount being $3,116. That is likely a welcome check for many Americans who have been squeezed by stubbornly high inflation and elevated borrowing costs.

Earlier in the tax season, survey respondents reported that they plan to use their refunds on necessities, such as rent, groceries, and credit card debt. According to a separate survey, nearly half of tax filers said their refund would affect whether they could afford essentials.

But before counting your money, here are some tips to follow if you’ve waited until the deadline to file.

Tips to File Your Tax Refund On Time

Taxpayers who do not have an extension and fail to submit their 2024 tax return by April 15 will have to pay a penalty of 5% of the tax due each month the filing is late, up to 25%. There are additional penalties if you owe the government money and fail to pay.

The IRS provided some tips on how to file your taxes last minute, including:

• Utilize free filing services, such as IRS Direct File and IRS Free File. However, be aware that these services are only available to certain tax filers.
• You can access free IRS resources, including interpretation services, telephone and local assistance, and free help from IRS-certified volunteers.
• Some tax law questions can be answered by the IRS’ Interactive Tax Assistant tool.
• If you don’t think you’ll be able to file your taxes by the deadline, apply for an extension that gives you until Oct. 15. However, you still have to pay what you owe by the April deadline.
• Avoid common mistakes and errors on your tax return, such as misspelling names or providing inaccurate Social Security numbers.

Meta (META) went to court Monday against the Federal Trade Commission in a landmark antitrust case that could force the social media titan to sell off Instagram or WhatsApp.

The FTC’s complaint, originally filed in 2021, alleges Meta engaged in an “illegal buy-or-bury scheme to maintain its dominance” and “acquired innovative competitors with popular mobile features that succeeded where Facebook’s own offerings fell flat or fell apart.”

If the trial ends in the FTC’s favor, Meta could be forced to break up its social media holdings by selling off apps such as Instagram or the social messaging platform WhatsApp. 

Meta CEO Zuckerberg Seeks Trump Administration’s Help To Resolve Case

The trial comes a couple weeks after Zuckerberg reportedly visited the White House to seek President Donald Trump’s help to resolve the FTC case, according to reporting from the New York Times.

The Meta CEO has also looked to the administration for help in fighting against looming fines from the European Commission, according to reports.

In a statement over the weekend, Meta Chief Legal Officer Jennifer Newstead said, “it’s absurd that the FTC is trying to break up a great American company at the same time the Administration is trying to save Chinese-owned TikTok.”

Shares of Meta slid about 2% in recent trading Monday. The stock is down 9% so far in 2025.