Rates today, dated
No-penalty CD rates
Each row is a no-penalty term we could read from the issuer. Synchrony's 11-month no-penalty print comes from its official products API. It is not the 16-month headline.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
Last issuer-page stamp in this table: October 19, 2026
Verified in the last 14 days
Current prints, highest APY first.
| Product | APY | Term | Minimum | Verified |
|---|---|---|---|---|
| Marcus by Goldman Sachs High-Yield CD | 4.00% | 11 months No-Penalty | $500 | October 14, 2026 |
| CIT Bank Term CD | 3.90% | 11 months No-Penalty CD | $1,000 | October 14, 2026 |
| Marcus by Goldman Sachs High-Yield CD | 3.80% | 13 months No-Penalty | $500 | October 14, 2026 |
| Marcus by Goldman Sachs High-Yield CD | 3.75% | 7 months No-Penalty | $500 | October 14, 2026 |
| Ally Bank High Yield CD (18 Month) | 2.80% | 11 months No Penalty CD | None | October 14, 2026 |
| Synchrony Bank Certificate of Deposit (16 Month CD) | 0.25% | 11 months No-Penalty | None | October 19, 2026 |