CD Rates

Live CD Rate Dashboard

The highest CD rate on Banksparency is 4.50% APY, advertised by Popular Direct on its 36 Months. This page tracks 1,482 active CDs from 116 banks.

By Aviel Fahl

Rates verified: August 2026|FDIC or NCUA Insured

View Highest CD Rates Business CDs

CD Rate Dashboard

Live signals across 116 tracked banks.

The mean of the 125 12-month CDs in the Banksparency CD index is 2.83%. The FDIC national average for 12-month CDs is 1.71% as of Aug 2026. The effective federal funds rate is 3.63% as of Aug 20, 2026.

Rates observed August 2026

Market Snapshot

Top 10 Range

4.35%–4.50% APY

12-Month CD Avg

2.83% APY

125 12-month CDs, median 3.28%

EFFR

3.63%

As of Aug 20, 2026

FDIC National Averages & Caps (Aug 2026)

1 Mo CD

0.22%

Nat. Cap: 5.29%

3 Mo CD

1.14%

Nat. Cap: 5.35%

6 Mo CD

1.41%

Nat. Cap: 5.53%

1 Yr CD

1.71%

Nat. Cap: 5.65%

2 Yr CD

1.57%

Nat. Cap: 5.89%

3 Yr CD

1.34%

4 Yr CD

1.27%

Nat. Cap: 5.96%

5 Yr CD

1.36%

Nat. Cap: 6.09%

116 banks tracked|1482 active CD products

Start Here

Jump to the CD categories that matter most.

Highest CD Rates Business CD Rates No-Penalty CDs

Rates last observed August 2026.

Latest Rate Changes

Review every rate change captured for the selected timeframe.

992 tracked: 14 up, 7 down, 971 unchangedDefault view is WoW. Switch tabs to see the full list for each timeframe.

Effective Federal Funds Rate

Policy rate benchmark

3.63%

No change vs 7 days

Previous: 3.63% (Aug 2026)Current: Aug 2026

FDIC National Averages

CD rate benchmarks across terms

1 Mo

0.22%

-0.01%

3 Mo

1.14%

-0.01%

6 Mo

1.41%

+0.03%

1 Yr

1.71%

+0.03%

2 Yr

1.57%

+0.01%

3 Yr

1.34%

—

4 Yr

1.27%

+0.01%

5 Yr

1.36%

—

View Federal Rates History →

Lindell Bank & Trust Company
15-Month Special Certificates of Deposit**
3.85% APY
+0.80%
Lindell Bank & Trust Company
12-Month Special Certificates of Deposit**
4.00% APY
+0.75%
Lindell Bank & Trust Company
9-Month Special Certificates of Deposit**
4.00% APY
+0.60%
Marcus by Goldman Sachs
2 Year CD
4.30% APY
+0.60%
Lindell Bank & Trust Company
18-Month Special Certificates of Deposit**
3.50% APY
+0.50%
Marcus by Goldman Sachs
18-Month High Yield CD
4.30% APY
+0.50%
Marcus by Goldman Sachs
4 Year CD
4.00% APY
+0.30%
Marcus by Goldman Sachs
3 Year CD
4.00% APY
+0.30%
Zynlo Bank
18-Month CD
3.75% APY
+0.23%
Marcus by Goldman Sachs
5 Year CD
4.00% APY
+0.20%
Marcus by Goldman Sachs
6 Year CD
4.00% APY
+0.20%
Ivy Bank
3-Month High-Yield Certificate of Deposit
4.00% APY
+0.15%
Happen Bank
2-Year CD
4.40% APY
+0.10%
Lindell Bank & Trust Company
7-Month Special Certificates of Deposit**
4.00% APY
+0.10%

Decreases

Citibank
9-Month CD
2.00% APY
-1.00%
Citibank
5-Month CD
3.00% APY
-0.50%
Omb Bank
27 Month CD Special
3.50% APY
-0.50%
Bread Savings
18-Month CD
4.35% APY
-0.15%
Bread Savings
9-Month CD
4.25% APY
-0.15%
Bread Savings
1-Year CD
4.15% APY
-0.10%
Bank of America
Variable Rate IRA CD
0.03% APY
-0.08%

Top 5 Highest CD Rates Right Now

By advertised APY. Excluding business CDs.

Popular Direct leads at 4.50% APY on its 36 Months. The tenth-ranked CD rate is 4.35%, so the top ten span 0.15 points. The leader is 2.6 times the FDIC national average of 1.71%.

See the highest CD rates

Institution	Product / Term	Category	APY	Min Deposit
Popular Direct	36 Months36 months	CD Fixed	4.50%	$10,000
Popular Direct	48 Months48 months	CD Fixed	4.50%	$10,000
Popular Direct	60 Months60 months	CD Fixed	4.50%	$10,000
Grant County Bank	60-Month CD60 months	CD Fixed	4.48%	$1,000
Popular Direct	24 Months24 months	CD Fixed	4.45%	$10,000

Top 5 Highest Business CD Rates Right Now

By advertised APY. Specifically for business accounts.

Live Oak Bank advertises the highest business CD rate, 4.10% APY on its 1 Year Business CD. Banksparency tracks 57 active business CDs.

See the highest business CD rates

Institution	Product / Term	Category	APY	Min Deposit
Live Oak Bank	1 Year Business CD12 months	Business CD	4.10%	$2,500
Live Oak Bank	9-Month Business CD9 months	Business CD	4.00%	$2,500
Newtek Bank	12-Month CD12 months	Business CD	4.00%	$2,500
Newtek Bank	6-Month CD6 months	Business CD	4.00%	$2,500
Newtek Bank	18-Month CD18 months	Business CD	3.95%	$2,500

Highest CD Rates by Term Length

The highest advertised rate across the 10 tracked terms is 4.50% APY on the 3-Year CD from Popular Direct. The shortest term, 1-Month CD, tops out at 3.50%, and the longest, 5-Year CD, at 4.50%.

1-Month CD3.50% APY

Peoples Trust Company of St. Albans

1 Month IRA

Dedicated page coming soon

3-Month CD4.05% APY

Omb Bank

3 Month CD

View 3-Month CD Rates

6-Month CD4.20% APY

Happen Bank

6-Month CD

View 6-Month CD Rates

9-Month CD4.25% APY

Bread Savings

9-Month CD

View 9-Month CD Rates

12-Month CD4.25% APY

Popular Direct

12 Months

View 1-Year CD Rates

18-Month CD4.35% APY

Bread Savings

18-Month CD

View 18-Month CD Rates

24-Month CD4.45% APY

Popular Direct

24 Months

View 2-Year CD Rates

36-Month CD4.50% APY

Popular Direct

36 Months

View 3-Year CD Rates

48-Month CD4.50% APY

Popular Direct

48 Months

View 4-Year CD Rates

60-Month CD4.50% APY

Popular Direct

60 Months

View 5-Year CD Rates

CD rate questions

What is the highest CD rate right now?

Popular Direct advertises 4.50% APY on its 36 Months, the highest of 1,482 active CDs tracked on Banksparency as observed in August 2026.

What is the average CD rate?

The mean of the 125 12-month CDs in the Banksparency CD index is 2.83%. It measures that population, not every CD on this page. The FDIC national average for 12-month CDs is 1.71% as of Aug 2026.

How do the top CD rates compare with the FDIC national average?

The ten highest advertised rates run from 4.35% to 4.50% APY, against an FDIC national average of 1.71%. The FDIC national rate cap for 12-month CDs is 5.65%.

When were these CD rates last observed?

The rates on this page were last observed in August 2026. Banksparency reads each institution's advertised rate from its own website and records the date of every observation. A rate can change at any time, so confirm it with the institution before you open an account.

Which CD term has the highest rate?

The 3-Year CD leads, with Popular Direct advertising 4.50% APY. A longer term does not always carry a higher rate; compare the term leaders before you choose.

Highest Business CD Rates by Term Length

Term-specific business CD pages are coming soon. In the meantime, see the highest business CD rates in one place.

See the highest business CD rates