Best CD Rates of January 2026
Up to 4.40% APY
Compare 456 CDs from trusted FDIC-insured banks and credit unions
4.40%
Highest APY
3.22%
Average APY
456
Total CDs
Personalize Your Search
$
All CD Rates
America First Federal Credit Union 2 Yr CD
America First Federal Credit Union
NCUA Member
APY
4.25%
Term
24 mo
Min Deposit
$500
Showing 1 - 10 of 456 CDs
What is a CD?
A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time, such as six months, one year, or five years. In exchange, the bank pays you interest.
- FDIC insured up to $250,000
- Fixed interest rate for the entire term
- Guaranteed return on investment
How to Choose a CD
- Compare APYs: Higher rates mean more earnings
- Pick your term: Match it to when you'll need the money
- Check minimums: Ensure you can meet the minimum deposit
- Consider penalties: Look for no-penalty CDs if you need flexibility