Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns as rates fall. As of February 18, 2026, the best 12-month CD ...

Explore top short- and long-term CD rates available today ...

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up all of your ...

Right now, the best 1-year CD rate is 4.25% APY from Abound Credit Union. Compare the top 1-year CDs available nationwide ...

Should you opt for a certificate of deposit this month?

There's a reason 12-month certificates of deposit (CDs) are a pretty popular choice among savers these days. Thanks to record-high CD rates, you may be in a position to score a 5% APY on a 12-month CD ...

If you’ve been eyeing a CD, now may be the time to lock in, as many experts predict that CD rates are likely to dip in December and the coming months. “A third rate cut [from the Federal Reserve] this ...

CD shoppers had a pretty sweet ride over the past two years. Now, that era's coming to a close. As of fall 2025, the Fed has already trimmed rates, and experts expect more cuts through 2026. Naturally ...

The rates give savers another opportunity to lock in sweet yields in the event the Federal Reserve resumes its rate cuts.