Best CDs of 2026
The best CDs going right now, verified rate by rate, with the terms and minimums that actually matter.
The best CDs of 2026 reward two things: locking a competitive rate and keeping the commitment sensible. Both picks here are verified — we fetched the APY, term, and minimum from the provider’s own page and confirmed the issuing bank’s FDIC status with the regulator.
Notably, the rate ladder is inverted right now: Sallie Mae’s 18-month CD at 4.00% out-yields most 1-year and longer terms, while Capital One’s 1-year at 3.90% with no minimum is the best pick if you want the shortest lock or can’t meet a minimum. CD rates can change for new accounts, so confirm the current APY before opening. This is not financial advice.
Frequently asked questions
How did you verify these CD rates?
We fetched each APY, term, and minimum from the provider's own rate page and confirmed the issuing bank's FDIC insurance directly with the FDIC. Each pick carries a "Verified" badge and an "as of" date. CD rates can change for new accounts, so confirm before opening.
Should I choose a longer CD term for a higher rate?
Not always. Right now some 18-month CDs out-yield longer terms, so a longer lock can mean a lower rate and less access. Match the term to when you'll need the cash, and consider a CD ladder to balance rate and flexibility.
What happens when my CD matures?
You typically get a short grace period of seven to ten days to withdraw or move the money. Otherwise many banks auto-renew into a new CD at the current rate, which may be lower. Set a reminder so you are not rolled into a worse term.