Rates today, datedCD rates today
Synchrony pays the higher top rate: 4.5% APY on 5 years (read Oct 27, 2026) against Marcus's 4.4% APY on 12 months High-Yield (read Oct 14, 2026). Synchrony asks for no minimum; Marcus asks for a $500 minimum. On a lock of about a year and a half, Marcus pays 4.4% APY on 18 months and Synchrony pays 4.3% APY on 16 months. Rows with a stamp older than 14 days stay visible so we never hide a stale print.
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Last issuer-page stamp in this table: October 27, 2026
Verified in the last 14 days
Current prints, highest APY first.
| Product | APY | Term | Minimum | Verified |
|---|---|---|---|---|
| Popular Direct CD | 4.80% | 18 months | $10,000 | October 27, 2026 |
| Happen Bank Certificate of Deposit (2 Year CD) | 4.76% | 24 months | $500 | October 27, 2026 |
| Sallie Mae Bank Certificate of Deposit (36 Month CD) | 4.60% | 36 months | $2,500 | October 27, 2026 |
| Ally Bank High Yield CD (18 Month) | 4.50% | 18 months | None | October 27, 2026 |
| Barclays Online CD (12 Month) | 4.50% | 12 months | None | October 26, 2026 |
| American Express National Bank CD | 4.40% | 10 months | None | October 27, 2026 |
| EverBank Performance CD | 4.35% | 24 months | $1,000 | October 27, 2026 |
| Synchrony Bank Certificate of Deposit (16 Month CD) | 4.30% | 16 months | None | October 27, 2026 |
| Capital One 360 CD (12 Month) | 4.00% | 12 months | None | October 27, 2026 |
| First Internet Bank CD | 4.00% | 12 months | $1,000 | October 27, 2026 |
Older prints, still listed
These APYs are the last issuer-page check, not a claim they still hold today.
| Product | APY | Term | Minimum | Verified |
|---|---|---|---|---|
| Bread Savings Certificate of Deposit (18 Month CD) | 4.75% | 18 months | $1,500 | October 14, 2026older than 14 days |
| Marcus by Goldman Sachs High-Yield CD | 4.40% | 18 months | $500 | October 14, 2026older than 14 days |
| CIT Bank Term CD | 4.00% | 1 year | $1,000 | October 14, 2026older than 14 days |
| Quontic Bank CD | 3.60% | 3 months | $500 | September 17, 2026older than 14 days |
| BMO Alto Online Certificate of Deposit | 3.35% | 60 months | None | October 14, 2026older than 14 days |
Prefer a short list? See our ranked picks, with the best choice for each need.
Frequently asked questions
What is the best CD rate right now?
Popular Direct CD has the highest APY we have verified recently, 4.80% on an 18-month CD, as of Oct 27, 2026. A CD locks its rate for the term, so the rate you open at is the rate you keep. Confirm it on the bank's page before you fund the account.
What happens if I take my money out of a CD early?
The bank charges an early withdrawal penalty, usually a set number of days of interest, for example 90 or 180 days. On a short CD that can eat most of what you earned. Each product page lists that CD's own penalty.
Is a CD better than a high-yield savings account?
A CD fixes your rate for the term, which helps if rates fall, but the money is locked. A savings account's APY can change any day, but you can withdraw at will. If you might need the cash before the term ends, a savings account is the safer fit.
How do you rank CDs?
We sort by the APY we verified on each issuer's own page, current prints first. A rate we last checked more than 14 days ago stays listed with its date but never outranks a current one. It is the same order as the live CD table.