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.

Top CDs today offer up to 4.27% APY -- consider locking in a strong return now before rates drift lower as we get further into the new year.

Average rates for certificates of deposit this month range from a ho-hum 0.23% for the shortest, 1-month terms, up to 1.76% for 1-year accounts, according to the latest government data. But for ...

Read on to learn about the best banks for CD rates in 2026.