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Certificates of Deposit Statistics 2026

Live data on certificates of deposit, computed from the Financeradar catalog. Every rate and fee is verified by Financeradar against each provider's own published rate or disclosure.

4.07%

Average APY across the 15 certificates of deposit Financeradar verifies, as of October 13, 2026.

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Last updated October 13, 2026. Reviewed by Louis Corneloup.

Key findings

  • 4.07% is the Average APY across the 15 certificates of deposit Financeradar verifies, as of October 13, 2026.
  • 40% is the Accounts you can open with no minimum deposit, as of October 13, 2026.
  • 100% is the Accounts with FDIC insurance disclosed, as of October 13, 2026.
  • Bread Savings Certificate of Deposit (18 Month CD) leads at 4.50%, Verified APY as of October 13, 2026.

verified by Financeradar against each provider's own published rate or disclosure Sample: 15 of 15 certificates of deposit tracked.

Headline numbers

Average APY across the 15 certificates of deposit Financeradar verifies

Source: Financeradar certificates of deposit data, 15 with a published APY, range 3.00% to 4.50%, verified as of October 13, 2026

4.07%

Certificates of Deposit verified and rate-stamped by Financeradar

Source: Financeradar catalog, published status

15

Accounts you can open with no minimum deposit

Source: Financeradar minimum-deposit data, 6 of 15 certificates of deposit

40%

Accounts with FDIC insurance disclosed

Source: Financeradar deposit-insurance data, 15 of 15 certificates of deposit

100%

Highest verified APY: certificates of deposit

The 5 accounts with the highest APY Financeradar currently verifies, as of October 13, 2026.

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Methodology and sources

Every figure is computed live from the Financeradar catalog, published certificates of deposit only. Each rate and fee is verified by Financeradar against each provider's own published rate or disclosure and date-stamped (the "as of" date shown above). Averages, ranges and shares are taken across the products that carry a published figure for that field, and the sample size is stated next to each number. Nothing here is financial advice. See how we rate.