Lock in Up to 4% APY with Top CD Rates Today

💡 Top CD rates now offer up to 4% APY, providing a secure investment option for investors.

The Federal Reserve's decision to keep interest rates elevated has led to a surge in CD rates, providing investors with a secure and lucrative investment opportunity. With rates now offering up to 4% APY, CDs have become an attractive option for those seeking low-risk investments.

Top CD Rates for June 2026

The best CD rates today are offered by banks and credit unions, with many institutions offering rates above 4% APY. Marcus by Goldman Sachs is offering a 4.05% APY 5-year CD, while Ally Bank is offering a 4.10% APY 5-year CD. These rates are significantly higher than the average 2-year CD rate of 2.45%.

Best Online Banks for CDs

Online banks have become a popular option for CD investors, offering competitive rates and convenient online applications. Discover Bank is offering a 4.00% APY 5-year CD, while Capital One 360 is offering a 4.05% APY 5-year CD. These online banks offer a range of CD terms, from 3 months to 5 years.

Credit Unions for CDs

Credit unions are also offering competitive CD rates, providing members with a secure and lucrative investment option. Alliant Credit Union is offering a 4.10% APY 5-year CD, while Navy Federal Credit Union is offering a 4.05% APY 5-year CD. These credit unions offer a range of CD terms, from 3 months to 5 years.

What It Means for Investors