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Highest CD Rates
A rate locked for the term you choose

By Aviel Fahl

Newest reading: October 6, 2026

Today's Top 10 Rates:4.85-5.20% APYFDIC or NCUA Insured
FDIC 12-Month CD Average 1.73% (as of Sep 2026) | 3.88% (as of Oct 2, 2026)
Terms tracked: 0-Year-100-Year|11562 active CD products

Today's Top 50 CD Rates

Ordered by highest APY across all term lengths. Showing the top 50 rates from 974 banks tracking 11562 CD terms. To see the highest rates for a specific term, use the term pages below.

Newest reading: Tuesday, October 6, 2026

Top 50 CD terms from 23 banks,sorted by highest APY
#1
First Security Bank

Kids Klub Go Green CD

Term: N/A

6.09%
APY
Observed: Oct 6, 2026
Min Deposit

$25

Branches

Yes

#2
Raymond James Bank

60 Month CD

Term: 60 months

5.20%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#3
Raymond James Bank

48 Month CD

Term: 48 months

5.10%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#4
Grant County State Bank

60-Month CD

Term: 60 months

5.09%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#5
Grant County State Bank

60-Month IRA

Term: 60 months

5.09%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#6
Raymond James Bank

36 Month CD

Term: 36 months

5.05%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#7
Popular Direct

60 Months

Term: 60 months

Available nationwide

5.00%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

None

#8
Raymond James Bank

24 Month CD

Term: 24 months

4.98%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#9
Popular Direct

48 Months

Term: 48 months

Available nationwide

4.95%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

None

#10
Bank of Franklin County

18 Month YOUTH Fair CD Special

Term: 18 months

4.90%
APY
Observed: Oct 6, 2026
Min Deposit

$100

Branches

Yes

#11
Raymond James Bank

18 Month CD

Term: 18 months

4.90%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#12
Popular Direct

36 Months

Term: 36 months

Available nationwide

4.85%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

None

#13
State Bank of Newburg

18 mo Variable Rate IRA Certificate of Deposit

Term: 18 months

4.84%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#14
Grant County State Bank

48-Month CD

Term: 48 months

4.83%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#15
Grant County State Bank

48-Month IRA

Term: 48 months

4.83%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#16
Grant County State Bank

54-Month CD

Term: 54 months

4.83%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#17
Grant County Bank

60-Month CD

Term: 60 months

4.79%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#18
Piscataqua Savings Bank

5 Year CD

Term: 60 months

4.76%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#19
E*TRADE from Morgan Stanley

12-Month Certificates of Deposit

Term: 12 months

Available nationwide

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$0

Branches

None

#20
First National Bank of Michigan

3 Year Rising Rate CD

Term: 36 months

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

Yes

#21
Nicolet National Bank

60 Month CD

Term: 60 months

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#22
Nicolet National Bank

60 Month IRA CD

Term: 60 months

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#23
Walden Mutual Bank

100 Year Local Impact CD

Term: 1200 months

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#24
Walden Mutual Bank

100 Year Local Impact Business CD

Term: 1200 months

4.75%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#25
Grant County Bank

48-Month CD

Term: 48 months

4.74%
APY
Observed: Oct 6, 2026
Min Deposit

$100

Branches

Yes

#26
Grant County Bank

36-Month CD

Term: 36 months

4.73%
APY
Observed: Oct 6, 2026
Min Deposit

$100

Branches

Yes

#27
Popular Direct

24 Months

Term: 24 months

Available nationwide

4.70%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

None

#28
North American Savings Bank, F.S.B.

36-Month CD

Term: 36 months

4.70%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#29
North American Savings Bank, F.S.B.

36–47 Month Term

Term: 36-47 months

4.70%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#30
Nicolet National Bank

48 Month CD

Term: 48 months

4.70%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#31
Nicolet National Bank

48 Month IRA CD

Term: 48 months

4.70%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#32
Argentine Federal Savings

4 Month CD Special

Term: 4 months

4.65%
APY
Observed: Oct 6, 2026
Min Deposit

$1,500

Branches

Yes

#33
Popular Direct

18 Months

Term: 18 months

Available nationwide

4.65%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

None

#34
Farmers and Merchants Bank of St. Clair

5 Month CD (New Money)

Term: 5 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#35
Lindell Bank & Trust Company

7-Month Special Certificates of Deposit**

Term: 7 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

Yes

#36
Farmers and Merchants Bank of St. Clair

11 Month CD (New Money)

Term: 11 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#37
Lindell Bank & Trust Company

12-Month Special Certificates of Deposit**

Term: 12 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$10,000

Branches

Yes

#38
Raymond James Bank

12 Month CD

Term: 12 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

N/A

#39
Somerset Regal Bank

18 Month Variable IRA

Term: 18 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$100

Branches

Yes

#40
Farmers and Merchants Bank of St. Clair

19 Month CD (New Money)

Term: 19 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#41
Nicolet National Bank

36 Month CD

Term: 36 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#42
Nicolet National Bank

36 Month IRA CD

Term: 36 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$2,500

Branches

Yes

#43
Piscataqua Savings Bank

3 Year CD

Term: 36 months

4.60%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#44
Enterprise Bank

5 Year CD

Term: 60 months

4.59%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#45
Union Federal Savings and Loan Association

4 Year Variable Rate Certificate

Term: 48 months

4.58%
APY
Observed: Oct 6, 2026
Min Deposit

$200

Branches

Yes

#46
5Star Bank

60 Month Variable IRA

Term: 60 months

4.57%
APY
Observed: Oct 6, 2026
Min Deposit

$250

Branches

Yes

#47
The Community State Bank

6 Month CD

Term: 6 months

4.55%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#48
Global Bank

24-Month Certificate of Deposit

Term: 24 months

4.55%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes

#49
Cornerstone State Bank

IRA 36-48 month C.D.

Term: 36-48 months

4.55%
APY
Observed: Oct 6, 2026
Min Deposit

$500

Branches

Yes

#50
Global Bank

36-Month Certificate of Deposit

Term: 36 months

4.55%
APY
Observed: Oct 6, 2026
Min Deposit

$1,000

Branches

Yes