Best CD Rates Today
The best CD rate we found today for terms around 1 year (8–14 months) is 5.35% APY on a 9-month CD at Justice Federal Credit Union. The 1-year Treasury yield is 4.57% and the FDIC national average for 1-year CDs is 1.76%.
Best CD rates around 1 year (8–14 months)
| Institution | Term | APY |
|---|---|---|
| Justice Federal Credit UnionMembership required · branches in 9 states | 9 months | 5.35% |
| Del Norte Credit UnionMembership required · branches in NM | 13 months | 5.23% |
| Community First Credit UnionMembership required · branches in WI | 10 months | 5.05% |
| Capital Credit Union (Wisconsin)Membership required · branches in WI | 10 months | 5.00% |
| Frankenmuth Credit UnionMembership required · branches in MI | 8 months | 5.00% |
| Tower Federal Credit UnionMembership required · branches in MD | 274 days | 5.00% |
| Truliant Federal Credit UnionMembership required · branches in NC, SC, VA | 12 months | 5.00% |
| TVA Credit UnionMembership required · branches in TN | 12 months | 5.00% |
| T Bank (Dallas)Branches in TX | 12 months | 4.70% |
| Happen BankBranches in CA, UT | 11 months | 4.65% |
Compare exact 1-year CD rates across all tracked institutions.
Compare rates by exact term and state · See recent CD rate changes
Best CD rates around 3 months (2–3 months)
| Institution | Term | APY |
|---|---|---|
| Newtek BankBranches in FL | 3 months | 4.60% |
| AmeriCU Credit UnionMembership required · branches in NY | 3 months | 4.50% |
| Dow Credit UnionMembership required · branches in MI | 3 months | 4.35% |
| Popular DirectAvailable nationwide | 3 months | 4.30% |
| Climate First BankBranches in FL | 3 months | 4.26% |
| Great Lakes Credit Union (Illinois)Membership required · branches in IL | 100 days | 4.25% |
| Poppy BankBranches in CA | 3 months | 4.25% |
| FirsTier BankBranches in CO, NE, WY | 3 months | 4.14% |
| Bask BankAvailable nationwide | 3 months | 4.10% |
| University of Michigan Credit UnionMembership required · branches in MI | 3 months | 4.06% |
Compare exact 3-month CD rates across all tracked institutions.
Best CD rates around 6 months (4–7 months)
| Institution | Term | APY |
|---|---|---|
| Justice Federal Credit UnionMembership required · branches in 9 states | 6 months | 5.20% |
| Community First Credit UnionMembership required · branches in WI | 5 months | 5.05% |
| Empower Federal Credit UnionMembership required · branches in NY | 6 months | 5.00% |
| First Commonwealth Federal Credit Union (Pennsylvania)Membership required · branches in NJ, PA | 5 months | 5.00% |
| Wings Credit Union (formerly Ent)Membership required · branches in CO, FL, GA, MI, MN, WI | 6 months | 4.80% |
| First Bank of the LakeBranches in MO | 7 months | 4.55% |
| AmeriCU Credit UnionMembership required · branches in NY | 6 months | 4.50% |
| Coastal States BankBranches in GA, SC | 7 months | 4.50% |
| Genisys Credit UnionMembership required · branches in MI, MN | 7 months | 4.50% |
| iQ Credit UnionMembership required · branches in OR, WA | 7 months | 4.50% |
Compare exact 6-month CD rates across all tracked institutions.
Best CD rates around 2 years (15–29 months)
| Institution | Term | APY |
|---|---|---|
| Tower Federal Credit UnionMembership required · branches in MD | 24 months | 5.20% |
| Kirtland Federal Credit UnionMembership required · branches in NM | 18 months | 5.12% |
| Community First Credit UnionMembership required · branches in WI | 15 months | 5.05% |
| Newtek BankBranches in FL | 24 months | 5.00% |
| Bread SavingsAvailable nationwide | 18 months | 4.85% |
| E*TRADE (Morgan Stanley Private Bank)Available nationwide | 24 months | 4.80% |
| Popular DirectAvailable nationwide | 24 months | 4.80% |
| Happen BankBranches in CA, UT | 24 months | 4.76% |
| BarclaysAvailable nationwide | 24 months | 4.75% |
| Genesee Regional BankBranches in NY | 24 months | 4.75% |
Compare exact 2-year CD rates across all tracked institutions.
Best CD rates around 5 years (4–5½ years)
| Institution | Term | APY |
|---|---|---|
| Tower Federal Credit UnionMembership required · branches in MD | 60 months | 5.05% |
| Popular DirectAvailable nationwide | 60 months | 5.00% |
| Quorum Federal Credit UnionMembership required · branches in NY | 60 months | 5.00% |
| Seven Seventeen Credit UnionMembership required · branches in OH | 60 months | 5.00% |
| E*TRADE (Morgan Stanley Private Bank)Available nationwide | 60 months | 4.80% |
| BarclaysAvailable nationwide | 60 months | 4.75% |
| KS StateBankBranches in AZ, KS | 60 months | 4.75% |
| Nicolet National BankBranches in CO, FL, IA, MI, MN, WI | 60 months | 4.75% |
| Sallie Mae BankAvailable nationwide | 60 months | 4.75% |
| Bread SavingsAvailable nationwide | 60 months | 4.70% |
Compare exact 5-year CD rates across all tracked institutions.
Find your bank or credit union
Browse all 446 institutions by name, type, state or highest APY.
Common questions
What is the highest CD rate today?
5.35% APY on a 9 months CD at Justice Federal Credit Union, the highest rate in the terms we rank, verified October 22, 2026. Check the minimum deposit and eligibility before opening.
What is a good CD rate right now?
For about 1 year, the best rate we track is 5.35% APY; the 1-year Treasury yields 4.57% and the FDIC national average is 1.76%. A rate near the Treasury yield is competitive; Treasury interest is also exempt from state income tax.
Are there CDs paying 5% or more?
Yes. 15 of the 446 institutions we track publish at least one CD at 5.00% APY or higher; these are often short promotional terms, large minimums or relationship rates.
Calculators
- APY calculatorConvert an interest rate (APR) to annual percentage yield (APY) for daily, monthly, quarterly or annual compounding, and see what a deposit earns in a year.
- CD calculatorCalculate CD interest and how much a CD earns by maturity — for example, a $10,000 CD — before and after federal and state income tax, using today's CD rates.
- Savings interest calculatorSee how a savings account or high-yield savings account grows with an initial deposit, monthly contributions and compound interest.
- CD early withdrawal penalty calculatorCalculate a CD early withdrawal penalty and whether breaking the CD to move to a higher rate pays off before the original CD would have matured.
- T-bill vs. CD calculatorCompare a Treasury bill with a CD after federal and state tax. T-bill interest is exempt from state income tax, which can make a lower T-bill yield the better deal.
- CD auto-renewal cost calculatorWhen a promotional CD matures it often renews at a much lower standard rate. Calculate how much that costs you if you do not move the money.
- CD ladder calculatorBuild an equal-deposit CD ladder using fresh exact-term institution quotes. Compare each rung, first maturity cash flow and the weighted quoted APY.
- After-tax and inflation calculatorEstimate one-year CD purchasing power after federal tax, state tax and inflation, and find the APY needed to break even.
Each list ranks CDs with terms near the heading's term, so a 9-month or 13-month CD can appear in the 1-year list; the term column shows the actual term. Exact-term pages compare only that term. "Branches in" lists branch states from FDIC or NCUA data; credit unions also require membership, so confirm eligibility before applying.
"vs. Treasury" is the CD's APY minus the Treasury yield for the same term (converted to APY). Most CDs pay less than Treasuries of the same term, so a negative number is normal. Treasury interest is exempt from state income tax, so a CD usually needs a higher rate to come out ahead — see the T-bill vs. CD calculator. Rates verified through October 22, 2026.