Highest CD Rates Today

The highest APY in this check is 4.85% on a Bread Savings 18-month CD with a $1,500 minimum, checked 13 Nov 2026. Close behind, Synchrony Bank's 60-month CD publishes 4.80% with no minimum deposit. Rates can change, so confirm the APY, minimum and early-withdrawal penalty on the issuer's own page before locking in a term.

How to read today's CD rates

The highest CD rates today don't all come with the same commitment. Bread Savings leads this check with an 18-month term. Synchrony's next-highest offer runs for 60 months. Start with when you'll need the money, then compare APYs for terms that fit.

The table is a dated snapshot of current bank CD rates. A published APY can change before you commit. Capital One, for example, says its CD rates are fixed upon opening, while its advertised APYs can change.

A higher APY may also require more cash upfront. Compare the minimum alongside the term, and use the CD calculator to compare amounts and time periods. Keep the withdrawal penalty in view if you might need the money early.

The best 1-year CD rates in this check

Ally Bank and Marcus by Goldman Sachs tie for the best 1-year CD rate in this check at 4.50% APY. Ally's 12-month High Yield CD has no minimum deposit, with APYs accurate as of 12 Nov 2026. Marcus's 12-month High-Yield CD requires $500 to open and earn the stated APY, as of 13 Nov 2026.

Capital One's 12-month 360 CD pays 4.45% APY with no minimum deposit. Its page gives an effective date of 12 Nov 2026; the rate was checked 13 Nov 2026. Bread Savings also pays 4.45% on its 1-year CD, with a $1,500 minimum, checked 13 Nov 2026.

Synchrony Bank's 12-month CD pays 4.40% APY with no minimum deposit, checked 13 Nov 2026. Apple Bank's 1-year Online CD pays 3.00% APY with a $1,000 minimum, with rates effective 1 Nov 2026. Apple's figures apply to online CDs.

Connexus Credit Union's regular 12-month certificate pays 2.75% APY at $5,000 or more, accurate as of 13 Nov 2026. That's below its 15-month special. The extra months matter when comparing those offers.

Chase's 12-month APY is n/a here. The page available for review didn't publish a national APY, though it did list a $1,000 minimum. That missing rate isn't a zero yield and doesn't support ranking Chase against the published offers.

What else sits near the top

Bread Savings' 18-month CD pays 4.85% APY with a $1,500 minimum. Synchrony's 60-month CD pays 4.80% with no minimum deposit. Their APYs are close, but their terms ask you to commit for very different lengths of time.

Marcus pays 4.60% APY on its 18-month through 6-year High-Yield CDs, each with a $500 minimum. Ally also publishes 4.50% on its 18-month and 60-month High Yield CDs with no minimum deposit. A longer term doesn't always bring a higher APY, even at the same bank.

Connexus's 15-month Special Certificate pays 4.50% APY at $5,000 or more. Its jumbo version pays 4.60% at $100,000 or more. Keep those deposit requirements separate when comparing the two.

Capital One has a limited-time 11-month 360 CD at 4.25% APY with no minimum deposit. Apple Bank's highest online APY in this check is 3.00%, on its published terms from 6 months through 1 year, with a $1,000 minimum.

Minimum deposits and early-withdrawal penalties

Ally, Synchrony and Capital One publish no minimum deposit. Marcus requires $500, Bread Savings requires $1,500, and Apple Bank and Chase require $1,000. Connexus's regular certificate figures start at $5,000; the jumbo special requires $100,000.

The minimum tells you how much cash an offer requires. The penalty tells you what early access may cost. Read both before choosing a term.

Synchrony's early-withdrawal penalties are based on simple interest at the current rate:

Ally's High Yield CD penalties depend on the term:

For the other issuers, check the early-withdrawal penalty on the issuer's own page. Don't assume that similar APYs mean similar penalties.

How these CDs compare with average bank rates and Treasury bills

The FDIC's national deposit rates as of 19 Oct 2026 were 0.38% for savings, 1.76% for a 12-month CD and 1.41% for a 60-month CD. These are deposit-weighted averages, not the best offers. The leading published CDs in this check pay above those dated averages.

Compare matching terms when using that benchmark. A 12-month CD rate is more useful beside the 12-month average than beside a savings rate or a longer CD.

For another comparison, see Treasury bill rates for today's yields. T-bill interest is exempt from state and local income tax, which may affect your comparison. If you're choosing a term for retirement cash, the guide to CD rates for seniors covers that decision.

FAQ

What is the highest CD rate available today?

The highest in this check is Bread Savings' 18-month CD at 4.85% APY, with a $1,500 minimum. Confirm the current offer and penalty before committing.

What is the best 1-year CD rate right now?

Ally and Marcus tie at 4.50% APY in this check. Ally has no minimum deposit; Marcus requires $500.

Do credit unions offer higher CD rates than banks?

Not always. Connexus's 15-month special pays 4.50% regular or 4.60% jumbo, below Bread Savings' 18-month 4.85%. Membership is usually required for a credit union certificate; confirm eligibility on Connexus's own site.

How often do bank CD rates change?

Published APYs can change, so a dated check isn't a promise of the rate you'll find later. Confirm the issuer's current figures before choosing a term.

Should I compare CDs with Treasury bills?

Yes, compare current yields and when you'll need the money. T-bill interest is exempt from state and local income tax. Include the CD's early-withdrawal penalty in your decision.