Personal Finance / Banking Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Best CD rates today, May 11, 2026 (Lock in up to 4% APY) Today's CD rates still hover well above the national average.
Tim Manni · May 11, 2026 2 min read 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 a certificate of deposit (CD).
Here's a look at today's best CD rates and where you can find the best offers. Best CD rates today Today, the highest CD rate is 4% APY. This rate is offered by Marcus by Goldman Sachs on its 9-month CD.
Here is a look at some of the best CD rates available today from our verified partners. National average CD rates 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 that online banks and credit unions generally offer more competitive rates compared to traditional brick-and-mortar banks.
Read more: What is a good CD rate? Here's a look at the average CD rate by term as of April 2026 (the most recent data available from the FDIC): The highest national average interest rate for CDs stands at 1.53% 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.
How to find the best CD rates If you're thinking about opening a CD, it's important to choose one with a high APY and a term length that matches your financial goals. Here are some tips for finding the best CD rates and accounts that match your needs: Shop around: It's a good idea to evaluate CD rates from a variety of financial institutions and compare your options before settling on an account. You can easily compare CD rates online.
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