Updated July 12, 2026

Compare top CD accounts for 2026

Today's top CD rates from the largest and most-trusted U.S. banks. Sorted by APY. All accounts are FDIC-insured up to $250,000 per depositor.

CD24 Months

Compare

Axos Bank

24-month term

APY as of 7/12/2026

4.25%

Min. deposit

$1,000

Term

24mo

Start saving

Note: 24-month term

CD6 Months

Compare

Rising Bank

APY as of 7/12/2026

4.21%

Min. deposit

$1,000

Term

6mo

Start saving

Note: CD

CD12 Months

Compare

Credit One Bank N.A.

12 Mo

APY as of 7/12/2026

4.15%

Min. deposit

$100,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Rising Bank

12 Mo

APY as of 7/12/2026

4.11%

Min. deposit

$1,000

Term

12mo

Start saving

Note: 12 Mo

CD14 Months

Compare

Marcus by Goldman Sachs

High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

4.10%

Min. deposit

$500

Term

14mo

Start saving

Note: High-Yield CD — early withdrawal penalty applies

CD12 Months

Compare

Municipal Credit Union

12 Mo

APY as of 7/12/2026

4.07%

Min. deposit

$5,000

Term

12mo

Start saving

Note: 12 Mo

CD6 Months

Compare

Credit One Bank N.A.

APY as of 7/12/2026

4.05%

Min. deposit

$100,000

Term

6mo

Start saving

Note: CD

CD9 Months

Compare

Marcus by Goldman Sachs

High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

4.00%

Min. deposit

$500

Term

9mo

Start saving

Note: High-Yield CD — early withdrawal penalty applies

CD12 Months

Compare

Capital One

360 CD, no minimum

APY as of 7/12/2026

4.00%

Min. deposit

Term

12mo

Start saving

Note: 360 CD, no minimum

CD6 Months

Compare

Marcus by Goldman Sachs

High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.95%

Min. deposit

$500

Term

6mo

Start saving

Note: High-Yield CD — early withdrawal penalty applies

CD12 Months

Compare

Finworth

12 Mo

APY as of 7/12/2026

3.95%

Min. deposit

$50,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Marcus by Goldman Sachs

High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.90%

Min. deposit

$500

Term

12mo

Start saving

Note: High-Yield CD — early withdrawal penalty applies

CD6 Months

Compare

Happen Bank

APY as of 7/12/2026

3.90%

Min. deposit

$500

Term

6mo

Start saving

Note: CD

CD6 Months

Compare

State Bank of India (California)

APY as of 7/12/2026

3.85%

Min. deposit

$1,000

Term

6mo

Start saving

Note: CD

CD18 Months

Compare

Marcus by Goldman Sachs

High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.80%

Min. deposit

$500

Term

18mo

Start saving

Note: High-Yield CD — early withdrawal penalty applies

CD60 Months

Compare

Marcus by Goldman Sachs

5-year High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.80%

Min. deposit

$500

Term

60mo

Start saving

Note: 5-year High-Yield CD — early withdrawal penalty applies

CD12 Months

Compare

Community Savings

12 Mo

APY as of 7/12/2026

3.80%

Min. deposit

$1,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Alliant Credit Union

12 Mo

APY as of 7/12/2026

3.80%

Min. deposit

$75,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Bank Iowa

12 Mo

APY as of 7/12/2026

3.76%

Min. deposit

$100,000

Term

12mo

Start saving

Note: 12 Mo

CD6 Months

Compare

Integro Bank

APY as of 7/12/2026

3.75%

Min. deposit

$100,000

Term

6mo

Start saving

Note: CD

CD12 Months

Compare

American Bank of Freedom

12 Mo

APY as of 7/12/2026

3.75%

Min. deposit

$1,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Seattle Bank

12 Mo

APY as of 7/12/2026

3.75%

Min. deposit

$1,000

Term

12mo

Start saving

Note: 12 Mo

CD6 Months

Compare

American Bank of Freedom

6 Mo Special

APY as of 7/12/2026

3.75%

Min. deposit

$1,000

Term

6mo

Start saving

Note: 6 Mo Special

CD6 Months

Compare

Community Savings

APY as of 7/12/2026

3.75%

Min. deposit

$1,000

Term

6mo

Start saving

Note: CD

CD36 Months

Compare

Marcus by Goldman Sachs

3-year High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.70%

Min. deposit

$500

Term

36mo

Start saving

Note: 3-year High-Yield CD — early withdrawal penalty applies

CD48 Months

Compare

Marcus by Goldman Sachs

4-year High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.70%

Min. deposit

$500

Term

48mo

Start saving

Note: 4-year High-Yield CD — early withdrawal penalty applies

CD24 Months

Compare

Marcus by Goldman Sachs

2-year High-Yield CD — early withdrawal penalty applies

APY as of 7/12/2026

3.70%

Min. deposit

$500

Term

24mo

Start saving

Note: 2-year High-Yield CD — early withdrawal penalty applies

CD12 Months

Compare

Ally Bank

High Yield CD

APY as of 7/12/2026

3.70%

Min. deposit

Term

12mo

Start saving

Note: High Yield CD

CD6 Months

Compare

Alliant Credit Union

6 Mo Insured by NCUA

APY as of 7/12/2026

3.60%

Min. deposit

$1,000

Term

6mo

Start saving

Note: 6 Mo Insured by NCUA

CD18 Months

Compare

Ally Bank

Raise Your Rate CD

APY as of 7/12/2026

3.50%

Min. deposit

Term

18mo

Start saving

Note: Raise Your Rate CD

CD6 Months

Compare

Barclays

APY as of 7/12/2026

3.50%

Min. deposit

Term

6mo

Start saving

Note: CD

CD6 Months

Compare

Seattle Bank

APY as of 7/12/2026

3.50%

Min. deposit

$1,000

Term

6mo

Start saving

Note: CD

CD12 Months

Compare

Integro Bank

12 Mo

APY as of 7/12/2026

3.50%

Min. deposit

$100,000

Term

12mo

Start saving

Note: 12 Mo

CD6 Months

Compare

Municipal Credit Union

APY as of 7/12/2026

3.30%

Min. deposit

$500

Term

6mo

Start saving

Note: CD

CD12 Months

Compare

Old Dominion National Bank

12 Mo

APY as of 7/12/2026

3.25%

Min. deposit

$500

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Barclays

12 Mo

APY as of 7/12/2026

3.25%

Min. deposit

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Flagler Credit Union

12 Mo

APY as of 7/12/2026

2.70%

Min. deposit

$100,000

Term

12mo

Start saving

Note: 12 Mo

CD12 Months

Compare

Dort Financial Credit Union

12 Mo

APY as of 7/12/2026

2.70%

Min. deposit

$100,000

Term

12mo

Start saving

Note: 12 Mo

CD6 Months

Compare

Flagler Credit Union

6 Mo

APY as of 7/12/2026

2.65%

Min. deposit

$100,000

Term

6mo

Start saving

Note: 6 Mo

CD6 Months

Compare

Dort Financial Credit Union

APY as of 7/12/2026

2.65%

Min. deposit

$100,000

Term

6mo

Start saving

Note: CD

APYs shown are representative and may differ from the bank's current published rate. Always confirm with the institution before opening an account.