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Key takeaways Today's top CDs boast APYs as high as 4.65%.If the Fed pauses rates today as expected, APYs are likely to stay high for now.Locking in your APY now shields your returns from rate cuts in the coming months. All eyes are on the Federal Reserve today as it decides what to do next with interest rates. Experts believe it will hold them steady for now, but they predict rate cuts later this year. That means now's the time to lock in a high rate and protect your earning potential.You can earn up to 4.65% annual percentage yield, or APY, with today's best CDs. That's more than twice the national average for some terms. And since your APY is fixed when you open a CD, your returns will stay the same whatever the Fed does in the coming months.Here are some of the highest CD rates and how much you could earn by depositing $5,000.Today's best CD rates Term Highest APY*BankEstimated earnings6 months 4.65%CommunityWide Federal Credit Union$114.931 year 4.45%CommunityWide Federal Credit Union$222.503 years 4.15%America First Credit Union$648.695 years 4.25%America First Credit Union$1,156.73 Experts recommend comparing rates before opening a CD account to get the best APY possible. Enter your information below to get CNET's partners' best rate for your area.How the Fed's decisions affect CD ratesAPYs on CDs and savings accounts have been dropping since the Fed cut interest rates at its last three meetings. But with inflation rising again, experts believe the Fed will hold rates steady at its Jan. 29 meeting. And banks are hedging their bets by keeping CD rates relatively flat for now, particularly given the uncertainty around the new administration's policies."Current signals suggest a cautious, wait-and-see approach to determine the pace of interest rate cuts this year," said Chad Olivier, certified financial planner and CEO of The Olivier Group.While the Fed is still projected to ease rates later this year, "the markets are, in some respect, waiting to see what happens with the new administration before they really step in and get aggressive on lower interest rates," Olivier said.By securing a high APY now, you can maximize your savings. Your APY is locked in when you open a CD, which means your rate of return stays the same regardless of where the Fed's benchmark rate goes after that.You can earn up to 5% APY on the best high-yield savings accounts. Check out today's rates.Average CD rates from week to week Term Last week's CNET average APYThis week's CNET average APYWeekly change**6 months 4.11%4.10%-0.24%1 year 4.05%4.06%0.00253 years 3.53%3.54%0.00285 years 3.52%3.55%0.0085 What to look for in a CDA competitive APY is important, but it's not the only thing you should keep in mind. To find the right CD for you, weigh these factors too:When you'll need your money: Early withdrawal penalties on CDs can eat into your interest earnings if you need your money before the term ends, so choose a timeline that makes sense. Alternatively, you can select a no-penalty CD, although the APY may not be as high as you'd get with a traditional CD of the same term.Minimum deposit requirement: Some CDs require a minimum deposit to open an account, typically $500 to $1,000. Knowing how much money you have to set aside can help you narrow your options.Fees: Maintenance and other fees can cut into your savings. Many online banks don't charge fees because they have lower overhead costs than banks with physical branches. Read the fine print for any account you're evaluating.Safety and security: Make sure the bank or credit union you're considering is an FDIC or NCUA member so your money is protected if the bank fails.Customer ratings and reviews: Visit sites like Trustpilot to see what customers are saying about the bank. You want a bank that's responsive, professional and easy to work with.MethodologyCNET reviews CD rates based on the latest APY information from issuer websites. We evaluated CD rates from more than 50 banks, credit unions and financial companies. We evaluate CDs based on APYs, product offerings, accessibility and customer service.The current banks included in CNET's weekly CD averages include Alliant Credit Union, Ally Bank, American Express National Bank, Barclays, Bask Bank, Bread Savings, Capital One, CFG Bank, CIT, Fulbright, Marcus by Goldman Sachs, MYSB Direct, Quontic, Rising Bank, Synchrony, EverBank, Popular Bank, First Internet Bank of Indiana, America First Federal Credit Union, CommunityWide Federal Credit Union, Discover, Bethpage, BMO Alto, Limelight Bank, First National Bank of America and Connexus Credit Union.*APYs as of Jan. 28, 2025, based on the banks we track at CNET. Earnings are based on APYs and assume interest is compounded annually.**Weekly percentage increase/decrease from Jan. 21, 2025, to Jan. 27, 2025.More on CDs

January 28, 2025Why 2025 is an Exciting Year in HeliophysicsFrom space weather to science missions, theres a lot to be excited about in heliophysics this year. Anaissa Ruiz Tejada/Scientific AmericanSUBSCRIBE TO Science QuicklyRachel Feltman: For Scientific Americans Science Quickly, Im Rachel Feltman. Life as we know it couldnt exist without the sun, but we know surprisingly little about our host star. Thats where the field of heliophysics comes inand 2025 is set to be a banner year for folks who study the sun.Here to tell us more is Meghan Bartels, a senior news reporter at Scientific American.Meghan, thanks so much for coming on to chat today.On supporting science journalismIf you're enjoying this article, consider supporting our award-winning journalism by subscribing. By purchasing a subscription you are helping to ensure the future of impactful stories about the discoveries and ideas shaping our world today.Meghan Bartels: Thanks so much for having me.Feltman: First question, obvious question: What is heliophysics?Bartels: Yeah, so heliophysics is the study of the sun and also its influence on the solar system. And thats a really big topic because the solar windwhich is basically, like, plasma of particles that flow off the sunand also the suns magnetic field, those two phenomena stretch all the way beyond the orbit of Pluto, more than 100 times the distance that Earth is from the sun.Feltman: Wow.Bartels: Yeah.Feltman: And why is 2025 such an exciting year for heliophysics?Bartels: Yeah, so there are a couple of different things that are aligning this year.First, the sun has been and still is in the maximum phase of its 11-year solar cycle. Solar max began more than two years ago, and scientists expect that it will last about three or four years total this time around. And during solar max, and even as that activity begins to wane, the sun will keep spitting out radiation flares and blobs of plasma, and that gives scientists a whole lot of new data to play with, and thats really exciting.And then another factor is that there are a whole bunch of really cool science missions that are designed to study various aspects of the heliosphere that are all due to launch in the coming year. And you know how excited scientists get about new missions [laughs].Feltman: [Laughs]Absolutely.Bartels: Yeah, and then another factor, which, like, sounds bureaucratic, but, like, at the end of the year heliophysicists got a really important report from the National [Academy] of Sciences, and it outlines the fields priorities for the next decade; its called a decadal report, and a lot of various aspects of [space] science has this. And so it specifies, like, what spacecraft and what telescopes researchers should build, which they should prioritize given the money they have, and its one of those things that, like, sounds boring [laughs] but is, like, actually really cool. And so this time around the two big spacecraft missions that they endorsed are: One is a mission designed to study the poles of the sun, which weve never actually seen directly. And the other is a fleet of 26 satellites that would all orbit Earth, and they would study how the suns activity, it affects our planet.And then theres anothertheres a third massive project, and thats ground-based. That would create the next generation of this ground-based array. The current version observes the sun constantlyits surrounding Earth, so it always sees the sunand it studies the waves that pass through the suns interior, just like seismology on Earth ...Feltman: Mm-hmm.Bartels: Its called helioseismology. Its a way of studying the interior and the far side of the sun. So its super-cool stuff.Feltman: Very cool. And with this decadal report these are things that havent started up yet, that ...Bartels: Exactly.Feltman: Theyrethe government is saying, You should do these.Bartels: Yeah, the government panel, like, surveys scientists ...Feltman: Hmm.Bartels: Its this whole long process; it takes, like, years to do. And then, yeah, it covers a 10-year period. And this is, like, starting from things that are just totally designed. Theyre, like, theyre, theyre just in the design phase. Theyre, like, all on paper right now, and nothings built. And so, like, were still building and launching stuff from the last decadal, and then this will be, like, into the next decade, yeah.Feltman: Very cool, and I definitely wanna get into some missions that are more in progress ...Bartels: Mm-hmm.Feltman: But also its just wild to me that we havent seen the suns poles directly. What kinda stuff are we hoping to learn when we finally get a good look at those [laughs]?Bartels: Yeah, it, it is really wild. There was a mission called Ulysses a while ago that got some data from the poles but couldnt actually see them up close. And then theres a European mission flying now called Solar Orbiter, and its gonna sneak up a little bit out and take a somewhat tilted orbit around the sun, but its not gonna be able to fly over the poles kind of thing, and thats what this future mission hopes to do.And its really important because the sun is basically a gigantic magnet, and seeing the poles of that magnet and seeing how the poles work and how the magnetism plays out over the entire surface of the sun, thats really important for understanding whats actually happening in the sun and during that 11-year activity cycle cause thats also all governed by magnetism.Feltman: Totally. Yeah, getting back to some of the stuff thats ongoing, tell me about some of the upcoming or ongoing missions in the heliophysics world. What are people most excited about?Bartels: Yeah, so it is going to be a really great year for heliophysics missions. One that is really cool isNASAs launching a mission called the Interstellar Mapping and Acceleration Probe, or IMAP. And that is going to stay within the inner solar system, but its gonna actually map the edge of the heliosphere, so where the solar wind drops off ...Feltman: Mm-hmm.Bartels: And where the suns magnetism drops off. And thats really important because we actually have no idea what shape the heliosphere is.Feltman: Mm.Bartels: It could be, like, a comet shape with a long tail. It could be, like, this wild croissant shape. No one really knows, and, like, its really hard to see it all directly, and then weve crossed through it twice with instruments on board with the two Voyagers, but that gives you two points; that doesnt give you the shape. So that should be really cool.Another upcoming mission is called the Polarimeter to Unify the Corona and Heliosphere, or PUNCH.Feltman: I was gonna saywhats the acronym ...Bartels: [Laughs] Theres always an acronym; its NASA ...Feltman: Cause whenever I hear a name like that, Im like, What acronym were they working on? [Laughs]Bartels: Yeah, yeah, thats PUNCH. PUNCH is supposed to launch in late February, and that is four satellites that are each the size of a suitcase, and theyre gonna watch the sun 24/7. Theyre gonna watch as the suns corona, the outer atmosphere, as it, like, turns into the solar wind and becomes this phenomenon that spreads all the way across the solar system and really try to understand how that transition happens.And then a third one that I think is really cool isanother delightful nameEscape and Plasma [Acceleration] and Dynamics Explorers, which you can just call ESCAPADE [laughs]. And ESCAPADE is a pair of spacecraft that, actually, theyre gonna go to Mars.Feltman: Oh, wow.Bartels: Theyre not staying by Earth; theyre gonna go to Mars, and theyre gonna study how the solar wind affects Mars and its atmosphere and how they interact.And there, there are others, too. Those are just a few, so, yeah, its gonna be a really cool year.Feltman: And why is it important, other than just the awesomeness of it all, for us to better understand our sun?Bartels: [Laughs]Yeah. This is where you get into something called space weather. So space weather is, basically, because of all the stuff that the sun sends out into the solar system and because the Earth has magnetic fields and has atmosphere, all of those phenomena interact in ways that are really interesting but also can cause some hiccups. If you get a really big solar flare or [coronal mass ejection], an outburst of plasma, you can end up with really cool things like the aurora, but you can also end up with problematic thingslike, those things can be dangerous for astronauts in space, they can damage spacecraft and satellites, and really strong events can also cause problems with the power grid on Earth itself.And so scientists want to basically approach space weather like meteorologists approach weather [laughs]: They wanna be able to predict it. They wanna understand whats going to be coming toward us with enough warning time for people to respond and protect people and infrastructure. And that all requires a much better understanding of the sun than we have right now. We basically dont have the ability to predict events like that. We have a spacecraft thats stationed a million miles away from Earth toward the sun, and that is, like, the warning beacon ...Feltman: Hmm.Bartels: And it watches the sun, and it tells us whats coming, and thats helpful, but its nowhere near the forecast you have on your phone or the forecast warnings that you can get for a hurricane. Thats much more robust and more predictive and gives people much better tools to respond.Feltman: Yeah, that definitely seems like a worthwhile endeavor, and selfishly I hope that we also can get some aurora forecasting in there cause eveeven with all of the auroral activity I have not been able [laughs] to make it happen ...Bartels: [Laughs] Neither have I.Feltman: And I would love my phone to be able to tell me where to go and when ...Bartels: For sure.Feltman: Are there any other big questions that theyre trying to answer right now?Bartels: Yeah, so another big, long-standing question about the sun is the corona. Its a lot hotter than, actually, the visible surface of the sun. So dont look at the sun with just your eyes; you need eye protection, you need solar eclipse glasses, something like that. But, like, the surface of the sun that you see through those protective lenses, that is, like, nearly 10,000 degrees Fahrenheit, so it sounds pretty hot. But the thing is, the corona, which isif you see a picture of the total solar eclipse, the corona is the, like, white, spiky part ...Feltman: Mm-hmm.Bartels: Around the disc of the moonthat can get up to 3.5 million degrees F, and scientists dont understand that heat jump at all. Like, that ...Feltman: Right.Bartels: Its totally ...Feltman: It gets hotter farther away.Bartels: Exactly.Feltman: Whats happening [laughs]?Bartels: Ifthey talk about: if you walked away from a campfire and it suddenly got hotter, thats whats going on here. And no one understands, like, how or why that is happening, and a really big mysterythats one of the more, maybe, academic or intellectual ones, but because the corona feeds the solar wind, its also gonna have big implications for life here on Earth.Feltman: Absolutely. Well, thanks so much for coming on to chat about the sun with us and excited to have you back on when we start getting some of these answers back.Bartels: [Laughs]Cant wait.Feltman: Thats all for todays episode. If you want to learn more about heliophysics, you can check out Meghans recent article for SciAm; well have a link in our show notes.Science Quickly is produced by me, Rachel Feltman, along with Fonda Mwangi, Kelso Harper, Madison Goldberg and Jeff DelViscio. Todays episode was reported and co-hosted by Meghan Bartels. Shayna Posses and Aaron Shattuck fact-check our show. Our theme music was composed by Dominic Smith. Subscribe to Scientific American for more up-to-date and in-depth science news.For Scientific American, this is Rachel Feltman. See you next time!

Bungie has lifted the lid on a surprising new crossover for Destiny 2: cosmetics from the world of Star Wars. Read more

Marvel Snap confirms new publisher after going dark during TikTok outage"To ensure this never happens again."Image credit: Second Dinner / Marvel News by Tom Phillips Editor-in-Chief Published on Jan. 29, 2025 The developer of Marvel Snap has confirmed it has landed a new publishing partner in the wake of this month's outage that saw the game suddenly become unplayable in the US.In a statement, Second Dinner said it had "already signed agreements and started the work to bring almost all operational and publishing responsibilities in-house", with support from Skystone Games, a US-based indie games publisher.Second Dinner had previously pledged to ditch its current publisher, Nuverse, in order to avoid any further disruption.Marvel Snap went offline in the US for over 24 hours and was pulled from app stores in the country as a result of Nuverse's parent company being ByteDance - the Chinese owner of social meda app TikTok. TikTok has officially been banned in the US due to security concerns around how it handles user data, and similarly went offline for a brief period. For now, the ban has been paused while negotiations continue over an expected sale - with Microsoft reportedly one of the interested parties.At the time of Marvel Snap's sudden outage, US users were greeted with a message apologising that the game "isn't available right now" as "a law banning Marvel Snap has been enacted in the US".As players reacted in shock, the game's developers issued a statement which suggested they had been given no warning the downtime was set to occur."This outage is a surprise to us and wasn't planned. Marvel Snap isn't going anywhere," Second Dinner said in a defiant statement. "We're actively working on getting the game up as soon as possible."After the game returned, Second Dinner announced an enormous package of in-game rewards as an apology to players, and pledged to find a new publisher "to make sure this never happens again".

You can trust VideoGamer. Our team of gaming experts spend hours testing and reviewing the latest games, to ensure you're reading the most comprehensive guide possible. Rest assured, all imagery and advice is unique and original. Check out how we test and review games hereHaving a decent Vanguard is a must in Marvel Rivals. The most successful team composition has two tanks, which comes as no surprise. Magneto, the Master of Magnetism, is one of the most popular characters in his role. Unfortunately, his ultimate ability is currently glitched and can easily result in zero damage.Magnetos kit is relatively simple, and he can be mastered in only a few hours. However, Meteor M, his ultimate ability, requires an impeccable awareness and is one of the most misused abilities in Marvel Rivals. To make the situation worse, landing a fatal blow is quite difficult due to a bug.Magneto has a fatal flaw with his ultimate ability in Marvel RivalsIn Season 1, Magneto is the second-most popular Vanguard, trailing only Doctor Strange. His pick rate is at 26.96%, which ranks sixth among all heroes. However, despite being a popular pick, Magneto only has the 13th-lowest win rate among all heroes and second-lowest among Vanguards. Its hard to pinpoint the exact reason for his low winning percentage, but it may have something to do with his ultimate ability.According to a recent Reddit post, Magnetos Meteor M ability is flat-out awful at hitting enemies. The post shows a player hitting an enemy directly with the meteor. However, instead of landing a killing blow, the meteor simply passed the target, causing no damage.While Magneto is unlikely to wipe out an entire enemy team in Marvel Rivals, his ultimate has a lot of potential. When properly charged, it can easily one-shot opposing supports and turn the tide in the battle. Thankfully, the ability can deal splash damage, which is a life-saver considering that direct hits are bugged. However, we hope that NetEase will fix this bug soon and make the character more viable.The next Marvel Rivals update is scheduled for mid-February, but the Magneto patch may arrive sooner.Marvel RivalsPlatform(s):macOS, PC, PlayStation 5, Xbox Series S, Xbox Series XGenre(s):Fighting, ShooterSubscribe to our newsletters!By subscribing, you agree to our Privacy Policy and may receive occasional deal communications; you can unsubscribe anytime.Share

You can trust VideoGamer. Our team of gaming experts spend hours testing and reviewing the latest games, to ensure you're reading the most comprehensive guide possible. Rest assured, all imagery and advice is unique and original. Check out how we test and review games hereHelldivers 2 has a lot of plans for 2025, and it all possibly begins with its upcoming one-year anniversary on February 8th. Leaks show a massive battle on Super Earth is imminent and unavoidable, and other leaks show an armor customisation system currently in-development. While HD2 has a lot of exciting prospects, some fans are worried due to the announced departure of Pilestedt. In response to worried fans, the Helldivers 2 CEO has assured players HD2 can still exist for a long time, even in the wake of its one Jesus figure leaving.Helldivers 2 CEO assures fans worried about Pilestedt leavingOn X, Helldivers 2 creative director and Arrowhead CCO, Pilestedt, has announced that he is taking a sabbatical. Not only that, but Pilestedt announced that he will be working on the next Arrowhead game when he comes back.As for why they are taking a break, its because they have been working on the same IP for 11 years. Pilestedt was working on HD in 2013, they started working on HD2 in 2016, and working around the clock for over a decade has resulted in Pilestedt setting aside himself and loved ones.Image credit: @Pilestedt on XThe break is well-deserved, but the announcement has naturally resulted in some Super Earth soldiers being worried about HD2s future. After all, Pilestedt has been the face and voice of Helldivers 2 for many, even after stepping down as Arrowhead CEO.Pilestedt was replaced as CEO in 2024 by Shams Jorjani, and Jorjani has responded to concerned fans on Discord. In response to a fan worried about Pilestedt never working on HD2 again, Shams Jorjani said, The lead for the game is Mikael Eriksson and has been for the last few years Johans role as a senior creative is to support all our projects.Jorjani assured players that Pilestedt will absolutely still be involved in the same way hes been the past year gives input on high level plans, collaborates with designers on some stuff. The CEO also informed players that The vast majority of Helldivers is a team effort rather than the work of just one Jesus figure. Image credit: Helldivers DiscordIn addition to assuring fans that Helldivers 2 is still in good hands following Pilestedts sabbatical, Jorjani relayed fears about how long HD2 can, and will, last. In response to a query about when support for HD2 will end, Jorjani said, as long as people play, pay and we can build a business case around it well support it to hell and back. If we can keep it going for 10 years we will.As to whether the continued existence of HD2 would jeopardize development for Helldivers 3, Jorjani said, compare Helldivers today to when it launched. Its so, so much more. Now imagine Helldivers in 3 years. Tell me how thats different from a hypothetical Helldivers 3.Image credit: Helldivers DiscordFor more Helldivers 2, check out our guide to thebest warbonds ranked, along with thebest stratagemsandbest throwables. We have also a guide to thebest weapons, and, if youre coming back to HD2 for the first time in a long while, we have a bunch oftips and tricksto help you get reaccustomed to the battlefield.Helldivers 2Platform(s):PC, PlayStation 5Genre(s):Action, Shooter, Third Person8VideoGamerSubscribe to our newsletters!By subscribing, you agree to our Privacy Policy and may receive occasional deal communications; you can unsubscribe anytime.Share

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This Is The PlaceWicked is a tough act to follow, so its director is going back to the classics for his next film with an adaptation of Dr. Seuss' final bookIt has some big musical talent attached to it too.Image credit: Random House News by Oisin Kuhnke Contributor Published on Jan. 29, 2025 The first part of Wicked has been a big hit at the box office, and after part two releases this year, director Jon M. Chu will be diving into your childhood.When you direct a film that ends up as successful as Wicked - which has taken home an impressive $717 million at the box office on a $150 million budget - you can probably end up taking any project you want! Perhaps Chu would be interested in adapting another big musical, or even just have his hand at The Wizard of Oz? Nope! As reported by The Hollywood Reporter, Chu's next film is set to be an animated adaptation of Dr. Seuss' Oh, The Places You'll Go!, which in this version will apparently follow a "young adventurer navigating the ups and downs of life." Chu won't be helming the project on his own, though, as Jill Culton (Open Season, Monsters, Inc.) will be serving as co-director alongside him.To see this content please enable targeting cookies. Penning the screenplay is Rob Lieber, best known as the writer of 2018's Peter Rabbit and Goosebumps 2: Haunted Halloween, and also of the upcoming Karate Kid: Legends. It seems like Oh, The Places You'll Go! will also be a musical, as EGOT winners Benj Pasek and Justin Paul are composing original songs for it - they're best known for writing the music and lyrics for Dear Evan Hansen, as well as Disney's 2019 version of Aladdin and the upcoming Snow White remake.Oh, The Places You'll Go! isn't obviously as well known as titles like The Cat in the Hat or Horton Hears a Who!, but it is still the usual kind of thing you can expect from the author (it was also the last book he ever released before his death in 1991). Don't expect it for quite a while though, as it currently has a release year of 2028 - I'm sure Wicked part two will keep you plenty occupied.

Gromit!The cheesiest movie star you know is now playable in Ninja Gaiden 2 BLACKI mean who could hate this?Image credit: HaiseSasan125 News by Connor Makar Staff Writer Published on Jan. 29, 2025 Ninja Gaiden 2 Black is out, and as you can imagine folks are having a blast playing through the game yet again. But for PC players, modders are adding a little bit of extra pow to the whole experience. The best mod released to this point, by far, has got to be the introduction of the world's most beloved movie star in a new role.No, I'm not talking about Timothe Chalamet. Wallace, of Wallace and Gromit fame, has made an appearance, taking the place of Ryu courtesy of HaiseSasan125 on Nexus Mods. The mod, which you can download right now, is a simple model swap. But even so, it's getting some love on social media. You can see a video of Wallace in action below.Wallace and Gromit is currently on the up and up in large part due to the 2024 release: Wallace & Gromit: Vengeance Most Fowl. This film is nominated for best animated feature at the Oscars this year. This makes the duo six time Oscar nominees, which is pretty darn good for a pair of clay lads.To see this content please enable targeting cookies. Every time we get a PC release, there's always a horde of talented and ambitious creators who take modding tools to the game for the sake of technical improvement, accessibility, pure fun factor, and more. Ninja Gaiden 2 Black is no different, with people putting out optimisisation mods, UI changes, and more. As of writing, Wallace is the top mod on Nexusmods, as he should be.Are you a fiend for cheese and fancy downloading this Wallace mod? Let us know below!