Best Certificate of Deposit Rates
3 certificate of deposits compared. Sorted by APY (highest first). Sample rates shown — verify each rate at the institution before opening an account.
Rate environment · as of 2026-05-21
Current US certificate of deposit rates
3.85% – 4.10% APY
Typical range across leading online certificate of deposits (12-month). Rates change frequently — verify the current rate at the institution before opening an account.
See top banks →Top US banks for CDs
Current rates at these banks may fall outside the range shown above — verify at the institution.
Marcus by Goldman Sachs
- · Fixed rate
- · Auto-renewal at maturity
- · Early withdrawal: 270 days interest
Discover Bank
- · Fixed rate
- · Terms from 3 months to 10 years
- · Early withdrawal: 6 months interest
These are widely-recognized banks offering certificates of deposit. APYCalculator does not earn commissions on links from this site and is not affiliated with any of these institutions.
Want to understand this account type first?
Compare current CD rates by term length. Learn how CDs work, when they make more sense than a high-yield savings account, and how to build a CD ladder.
→ Read the full Certificate of Deposit guide