Non-APY factors still played a part, such as customer experience. We believe that potential earnings reign supreme, so a CD’s APY was the most heavily-weighed factor in our calculations. Here are the categories we analyzed and how we weighted each. One with a score of 80 would get four stars and so on. An institution with a perfect score of 100 would get five stars. We looked at over 140 CDs offered by 84 financial institutions and evaluated them to create a star rating for each.
