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Today’s CD rates still hover well above the national average.
The Federal Reserve reduced its target interest rate three times in 2025 and has left rates alone in 2026.
This has had a ripple effect on deposit account rates, making now a great opportunity to lock in today's high rates with acertificate of deposit(CD).
Here’s a look at today’sbest CD ratesand where you can find the best offers.
Today, the highest CD rate is 4.17% APY, offered by United Fidelity Bank on its 2-year CD.
Here is a look at some of the best CD rates available today from our verified partners.
If you're considering a CD, these rates are some of the highest available, especially when compared to the national average rates, which are significantly lower.
It's also worth noting thatonline banksandcredit unionsgenerally offer more competitive rates compared to traditional brick-and-mortar banks.
Here’s a look at the average CD rate by term as of May 2026 (the most recent data available from theFDIC): The highest national average interest rate for CDs stands at 1.55% for a 1-year term.
However, in general, today’s average CD rates represent some of the highest seen in nearly two decades, largely due to the Federal Reserve's efforts to combat inflation by keeping interest rates elevated.
If you’re thinking aboutopening a CD, it’s important to choose one with a high APY and a term length that matches your financial goals.
| Product | Price | Change |
|---|---|---|
| Brent Crude | $102.14/bbl | +0.34% |
| WTI Crude | $96.90/bbl | +0.21% |
| EN590 Diesel | $846/MT | +0.18% |
| Jet Fuel A-1 | $1090/MT | +0.55% |
| Mazut M100 | $450/MT | -0.15% |
| Bitumen 60/70 | $470/MT | +0.08% |
| Sulphur Gran 99.5% | $470/MT | -0.44% |
| Urea 46% Gran | $650/MT | +1.12% |
| NPK 16-16-16 | $460/MT | -0.28% |
| Nat Gas TTF | $15.42/MMBtu | +0.92% |
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