Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

Today's best CDs pay up to 4.27% APY. It could be a smart idea to lock in a solid return as we head further into the new year.

Top CDs today offer up to 4.27% APY, making now a smart time to lock in a solid return before rates move lower.

Read on to learn about the best banks for CD rates in 2026.

-0.40 percentage point (40 basis points). See methodology details Medians, or midpoints, consist of APYs of CDs or share certificates collected from the websites of the following 21 financial ...

Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been ...

If you have a large amount of money to deposit, today's best jumbo CD rate is 4.28% APY, offered by GTE Financial. Compare ...