Home › CD rates today, by term
Pick how long you can lock your money away, then tap that term to see every bank ranked. APY = the yearly interest rate including compounding.
Best CD rate by term today (2026-10-12), from 10 banks' own pages:
| Bank | 3 mo | 6 mo | 1 yr | 18 mo | 2 yr | 3 yr | 5 yr | Min deposit |
|---|---|---|---|---|---|---|---|---|
| Barclays | — | 4.00% | 4.50% | 4.50% | 4.75% | 4.50% | 4.75% | $0 |
| Bread Savings | — | 4.05% | 4.45% | 4.75% | — | — | — | $1,500 |
| Happen Bank | — | 4.30% | 3.50% | — | 4.60% | — | 3.40% | $500 |
| Marcus | — | 3.95% | 4.40% | 4.40% | 4.40% | 4.40% | 4.40% | $500 |
| Capital One 360 | — | 3.30% | 4.00% | 3.60% | 3.50% | 3.50% | 3.60% | $0 |
| American Express | — | — | 3.65% | 3.65% | 3.65% | 2.25% | 3.00% | $0 |
| EverBank | 3.60% | 3.60% | 3.50% | 3.40% | 4.35% | 3.40% | 3.40% | $1,000 |
| Bask Bank | 4.10% | 3.90% | 4.35% | 4.00% | 4.30% | — | — | $1,000 |
| Ally | 2.80% | 3.85% | 4.15% | 4.25% | — | 4.00% | 4.10% | $0 |
| CIT Bank | — | 3.75% | 4.00% | 2.75% | 0.40% | 0.40% | 0.50% | $1,000 |
Scroll the table sideways for more terms; bank names stay pinned. APYs for standard CDs (no-penalty, bump and jumbo CDs excluded). — = that bank doesn't offer or list this term. Green = top rate for that term. Min = minimum opening deposit.
Not found today: Synchrony, Citizens Access (bank page blocked automated reads or rates didn't load). No CDs offered/found: SoFi, Wealthfront, Betterment, UFB Direct, Varo, Chime, Openbank.
4.50% APY at Barclays among the banks we track (as of 2026-10-12).
Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.