Financeradar Data
Certificates of Deposit Statistics 2026
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. Each figure carries the date it was read; the page itself does not certify anything newer than the newest of those dates.
4.24%
Average APY across the 15 certificates of deposit with a published APY.
Figures were read between September 17, 2026 and October 19, 2026 (median age 7 days).
Average of the 15 certificates of deposit with a published APY, read between Sep 17, 2026 and Oct 19, 2026, median age 7 days. It is not a national index. It depends on which accounts are in the catalog, so it can move when accounts are added or removed even if no rate changes; averages quoted in older articles and reports describe the accounts tracked on their own dates.
Computed October 25, 2026 from the catalog; newest figure read October 19, 2026. Edited by Louis Corneloup.
Key findings
- The average APY across the 15 certificates of deposit with a published APY is 4.24%, from figures read between Sep 17, 2026 and Oct 19, 2026.
- 9 of the 9 certificates of deposit with a published monthly fee (100%) charge no monthly maintenance fee.
- 6 of the 15 certificates of deposit with a published minimum (40%) can be opened with no minimum deposit.
- 15 of the 15 certificates of deposit tracked (100%) state FDIC insurance on their own pages.
- Bread Savings Certificate of Deposit (18 Month CD) has the highest APY on file, 4.75% (read on October 14, 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 with a published APY
Source: Financeradar certificates of deposit data, 15 of 15 with a published APY, range 3.35% to 4.75%, read between Sep 17, 2026 and Oct 19, 2026, median age 7 days
Certificates of Deposit tracked in the Financeradar catalog
Source: Financeradar catalog, published status
Share of certificates of deposit with no monthly maintenance fee
Source: Financeradar fee data, 9 of 9 certificates of deposit
Share of certificates of deposit you can open with no minimum deposit
Source: Financeradar minimum-deposit data, 6 of 15 certificates of deposit
Share of certificates of deposit that state FDIC insurance
Source: Financeradar deposit-insurance data, 15 of 15 certificates of deposit
| Metric | Value | Sample and source |
|---|---|---|
| Average APY across the 15 certificates of deposit with a published APY | 4.24% | Source: Financeradar certificates of deposit data, 15 of 15 with a published APY, range 3.35% to 4.75%, read between Sep 17, 2026 and Oct 19, 2026, median age 7 days |
| Share of certificates of deposit with no monthly maintenance fee | 100% | Source: Financeradar fee data, 9 of 9 certificates of deposit |
| Share of certificates of deposit you can open with no minimum deposit | 40% | Source: Financeradar minimum-deposit data, 6 of 15 certificates of deposit |
| Share of certificates of deposit that state FDIC insurance | 100% | Source: Financeradar deposit-insurance data, 15 of 15 certificates of deposit |
Highest APY on file: certificates of deposit
The 5 certificates of deposit with the highest APY in the catalog. Each row shows the date its own figure was read; an older reading can be out of date, check the provider's page.
Bread Savings Certificate of Deposit (18 Month CD)
APY read on October 14, 2026
Popular Direct CD
APY read on October 19, 2026
Happen Bank Certificate of Deposit (2 Year CD)
APY read on October 14, 2026
Barclays Online CD (12 Month)
APY read on October 18, 2026
Sallie Mae Bank Certificate of Deposit (36 Month CD)
APY read on October 19, 2026
Explore certificates of deposit
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.