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The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power.
In fact, thebest CDsstill pay rates of 4% or higher.
Read on for a snapshot of CD rates today and where to find the best offers.
CDs today typically offer rates significantly higher than traditional savings accounts.
Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% APY.
Today,Wednesday, August 12, 2026, the highest CD rate is 4.30%.
This rate is offered bySynchrony Bank on its 16-month CD.
The following is a look at some of the best CD rates available today from our verified partners: The 2000s were marked by the dot-com bubble and later, the global financial crisis of 2008.
Though the early 2000s saw relatively higher CD rates, they began to fall as the economy slowed and the Federal Reserve cut its target rate to stimulate growth.
By 2009, in the aftermath of the financial crisis, the average one-year CD paid around 1% APY, with five-year CDs at less than 2% APY.
The trend of falling CD rates continued into the 2010s, especially after the Great Recession of 2007-2009.
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| Nat Gas TTF | $15.42/MMBtu | +0.92% |
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