Highest CD Rates
Lock in guaranteed returns for your term

Rates verified: August 22, 2026

Today's Top 10 Rates:4.35-4.50% APYFDIC or NCUA Insured

FDIC 12-Month CD Average 1.71% (as of Aug 2026) | Fed Funds Rate 3.63% (as of Aug 20, 2026)

Terms tracked: 1-Month-10-Year|1425 active CD products

Banksparency Tip

CDs lock in a guaranteed rate for a fixed term. Your rate won't drop even if the Fed cuts rates, but you'll pay an early withdrawal penalty if you need your money before the term ends. Consider laddering multiple CDs across different terms to balance access and yield.

New to Certificates of Deposit? (Read Guide)

Why CDs Pay More

CDs trade liquidity for yield. You agree to keep money parked for a fixed term and the bank pays a guaranteed rate in return. In Banksparency's database, 168 CDs offer rates of 4.00% APY or higher.

Pick the Right Term Length

Terms currently range from 1-Month-10-Year. Longer terms lock your rate for longer, but the highest APY isn't always the longest term.

Understand Early Withdrawal Penalties

Most CDs charge a penalty if you cash out before the term ends. Always check early withdrawal terms before you lock in a rate.

Ladder for Flexibility

Split your deposit across multiple terms so you get regular maturity dates. This can improve liquidity without giving up all of the higher rates.

How to Choose the highest CD

Compare APY, minimum deposit, online-only access, and whether the term matches your timeline. The highest CD is the one you can hold through maturity.

When a CD Makes Sense

Known Purchase Date
Car, tuition, or down payment with a clear timeline.
Rate Lock
Lock today's rate in case rates fall later.
Short-Term Parking
Keep cash safe for 3-12 months with a fixed return.
Laddering Strategy
Stagger multiple CDs for regular maturity dates.
Conservative Yield
Predictable interest with low risk.
Business Reserves
Park surplus cash while staying federally insured.

Not ideal for:Everyday spendingUncertain timelinesEmergency cash you might need tomorrow

Today's Top 50 CD Rates

Ordered by highest APY across all term lengths. Showing the top 50 rates from 115 banks tracking 1425 CD terms. To see the highest rates for a specific term, use the term pages below.

Rates verified: Saturday, August 22, 2026

Top 50 CD terms from 15 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Popular Direct 36 Months Term: 36 months	4.50%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#2	Popular Direct 48 Months Term: 48 months	4.50%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#3	Popular Direct 60 Months Term: 60 months	4.50%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#4	Grant County Bank 60-Month CD Term: 60 months	4.48%APY Verified: Aug 22, 2026 Access: Branch access	$1,000
#5	Popular Direct 24 Months Term: 24 months	4.45%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#6	Grant County Bank 48-Month CD Term: 48 months	4.42%APY Verified: Aug 22, 2026 Access: Branch access	$100
#7	Happen Bank 2-Year CD Term: 24 months	4.40%APY Verified: Aug 22, 2026 Access: Online only	$500
#8	Grant County Bank 36-Month CD Term: 36 months	4.37%APY Verified: Aug 22, 2026 Access: Branch access	$100
#9	Bread Savings 18-Month CD Term: 18 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#10	Popular Direct 18 Months Term: 18 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#11	E*TRADE from Morgan Stanley 36-Month Certificates of Deposit Term: 36 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$0
#12	Sallie Mae Bank 36-Month Certificates of deposit CDs Term: 36 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#13	E*TRADE from Morgan Stanley 60-Month Certificates of Deposit Term: 60 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$0
#14	Sallie Mae Bank 60-Month Certificates of deposit CDs Term: 60 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#15	Synchrony Bank 60 Month CD Term: 60 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$0
#16	Synchrony Bank 60 Month IRA CD Term: 60 months	4.35%APY Verified: Aug 22, 2026 Access: Online only	$0
#17	Farmers and Merchants Union Bank 13 Month CD Promotion Term: 13 months	4.30%APY Verified: Aug 22, 2026 Access: Branch access	$5,000
#18	Farmers and Merchants Union Bank 13 Month IRA CD Promotion Term: 13 months	4.30%APY Verified: Aug 22, 2026 Access: Branch access	$5,000
#19	Synchrony Bank 16 Month CD Term: 16 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$0
#20	Marcus by Goldman Sachs 18-Month High Yield CD Term: 18 months	4.30%APY Verified: Aug 22, 2026 Access: Online only	$500
#21	E*TRADE from Morgan Stanley 24-Month Certificates of Deposit Term: 24 months	4.30%APY Verified: Aug 22, 2026 Access: Online only	$0
#22	Marcus by Goldman Sachs 2 Year CD Term: 24 months	4.30%APY Verified: Aug 22, 2026 Access: Online only	$500
#23	Synchrony Bank 36 Month CD Term: 36 months	4.30%APY Verified: Aug 22, 2026 Access: Online only	$0
#24	Synchrony Bank 36 Month IRA CD Term: 36 months	4.30%APY Verified: Aug 22, 2026 Access: Online only	$0
#25	Bread Savings 9-Month CD Term: 9 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#26	American Express 10-Month CD Term: 10 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$0
#27	Dundee Bank 11 Month CD Special Term: 11 months	4.25%APY Verified: Aug 16, 2026 Access: Branch access	$500
#28	Popular Direct 12 Months Term: 12 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#29	E*TRADE from Morgan Stanley 18-Month Certificates of Deposit Term: 18 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$0
#30	Sallie Mae Bank 18-Month Certificates of deposit CDs Term: 18 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#31	Synchrony Bank 18 Month CD Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#32	Synchrony Bank 18 Month IRA CD Term: 18 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#33	Synchrony Bank 19 Month CD Term: 19 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$0
#34	Bread Savings 2-Year CD Term: 24 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#35	Sallie Mae Bank 24-Month Certificates of deposit CDs Term: 24 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#36	Synchrony Bank 24 Month CD Term: 24 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$0
#37	Synchrony Bank 24 Month IRA CD Term: 24 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$0
#38	Sallie Mae Bank 30-Month Certificates of deposit CDs Term: 30 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#39	Bread Savings 3-Year CD Term: 36 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#40	Bread Savings 4-Year CD Term: 48 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#41	Exchange State Bank 48 Months CD Term: 48 months	4.25%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#42	Bread Savings 5-Year CD Term: 60 months	4.25%APY Verified: Aug 22, 2026 Access: Online only	$1,500
#43	Happen Bank 6-Month CD Term: 6 months	4.20%APY Verified: Aug 22, 2026 Access: Online only	$500
#44	Dundee Bank 7 Month CD Special Term: 7 months	4.20%APY Verified: Aug 16, 2026 Access: Branch access	$500
#45	Happen Bank 11-Month CD Term: 11 months	4.20%APY Verified: Aug 22, 2026 Access: Online only	$500
#46	Sallie Mae Bank 15-Month Certificates of deposit CDs Term: 15 months	4.20%APY Verified: Aug 22, 2026 Access: Online only	$2,500
#47	TAB Bank 36-Month CD Term: 36 months	4.20%APY Verified: Aug 22, 2026 Access: Online only	$1,000
#48	Omb Bank 13 Month CD Special Term: 13 months	4.19%APY Verified: Aug 22, 2026 Access: Branch access	$1,000
#49	Popular Direct 6 Months Term: 6 months	4.15%APY Verified: Aug 22, 2026 Access: Online only	$10,000
#50	Barclays 9-Month CD Term: 9 months	4.15%APY Verified: Aug 22, 2026 Access: Online only	$0

Popular Direct

36 Months

Term: 36 months

4.50%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

Popular Direct

48 Months

Term: 48 months

4.50%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

Popular Direct

60 Months

Term: 60 months

4.50%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

Grant County Bank

60-Month CD

Term: 60 months

4.48%

APY

Verified: Aug 22, 2026

Min Deposit

$1,000

Access

Branch access

Popular Direct

24 Months

Term: 24 months

4.45%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

Grant County Bank

48-Month CD

Term: 48 months

4.42%

APY

Verified: Aug 22, 2026

Min Deposit

$100

Access

Branch access

Happen Bank

2-Year CD

Term: 24 months

4.40%

APY

Verified: Aug 22, 2026

Min Deposit

$500

Access

Online only

Grant County Bank

36-Month CD

Term: 36 months

4.37%

APY

Verified: Aug 22, 2026

Min Deposit

$100

Access

Branch access

Bread Savings

18-Month CD

Term: 18 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#10

Popular Direct

18 Months

Term: 18 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

#11

E*TRADE from Morgan Stanley

36-Month Certificates of Deposit

Term: 36 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#12

Sallie Mae Bank

36-Month Certificates of deposit CDs

Term: 36 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#13

E*TRADE from Morgan Stanley

60-Month Certificates of Deposit

Term: 60 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#14

Sallie Mae Bank

60-Month Certificates of deposit CDs

Term: 60 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#15

Synchrony Bank

60 Month CD

Term: 60 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#16

Synchrony Bank

60 Month IRA CD

Term: 60 months

4.35%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#17

Farmers and Merchants Union Bank

13 Month CD Promotion

Term: 13 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

$5,000

Access

Branch access

#18

Farmers and Merchants Union Bank

13 Month IRA CD Promotion

Term: 13 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

$5,000

Access

Branch access

#19

Synchrony Bank

16 Month CD

Term: 16 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#20

Marcus by Goldman Sachs

18-Month High Yield CD

Term: 18 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

$500

Access

Online only

#21

E*TRADE from Morgan Stanley

24-Month Certificates of Deposit

Term: 24 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#22

Marcus by Goldman Sachs

2 Year CD

Term: 24 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

$500

Access

Online only

#23

Synchrony Bank

36 Month CD

Term: 36 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#24

Synchrony Bank

36 Month IRA CD

Term: 36 months

4.30%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#25

Bread Savings

9-Month CD

Term: 9 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#26

American Express

10-Month CD

Term: 10 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#27

Dundee Bank

11 Month CD Special

Term: 11 months

4.25%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#28

Popular Direct

12 Months

Term: 12 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

#29

E*TRADE from Morgan Stanley

18-Month Certificates of Deposit

Term: 18 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#30

Sallie Mae Bank

18-Month Certificates of deposit CDs

Term: 18 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#31

Synchrony Bank

18 Month CD

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#32

Synchrony Bank

18 Month IRA CD

Term: 18 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#33

Synchrony Bank

19 Month CD

Term: 19 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#34

Bread Savings

2-Year CD

Term: 24 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#35

Sallie Mae Bank

24-Month Certificates of deposit CDs

Term: 24 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#36

Synchrony Bank

24 Month CD

Term: 24 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#37

Synchrony Bank

24 Month IRA CD

Term: 24 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

#38

Sallie Mae Bank

30-Month Certificates of deposit CDs

Term: 30 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#39

Bread Savings

3-Year CD

Term: 36 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#40

Bread Savings

4-Year CD

Term: 48 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#41

Exchange State Bank

48 Months CD

Term: 48 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#42

Bread Savings

5-Year CD

Term: 60 months

4.25%

APY

Verified: Aug 22, 2026

Min Deposit

$1,500

Access

Online only

#43

Happen Bank

6-Month CD

Term: 6 months

4.20%

APY

Verified: Aug 22, 2026

Min Deposit

$500

Access

Online only

#44

Dundee Bank

7 Month CD Special

Term: 7 months

4.20%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#45

Happen Bank

11-Month CD

Term: 11 months

4.20%

APY

Verified: Aug 22, 2026

Min Deposit

$500

Access

Online only

#46

Sallie Mae Bank

15-Month Certificates of deposit CDs

Term: 15 months

4.20%

APY

Verified: Aug 22, 2026

Min Deposit

$2,500

Access

Online only

#47

TAB Bank

36-Month CD

Term: 36 months

4.20%

APY

Verified: Aug 22, 2026

Min Deposit

$1,000

Access

Online only

#48

Omb Bank

13 Month CD Special

Term: 13 months

4.19%

APY

Verified: Aug 22, 2026

Min Deposit

$1,000

Access

Branch access

#49

Popular Direct

6 Months

Term: 6 months

4.15%

APY

Verified: Aug 22, 2026

Min Deposit

$10,000

Access

Online only

#50

Barclays

9-Month CD

Term: 9 months

4.15%

APY

Verified: Aug 22, 2026

Min Deposit

Access

Online only

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