Best CD Rates Today

The best 1-year CD rate we found today is 4.35% APY at Navy Federal Credit Union. The 1-year Treasury yield is 4.57% and the FDIC national average for 1-year CDs is 1.76%.

We read the CD rates published on 11 banks' and credit unions' own websites every day, check each number twice, and link every rate to its source. Last update 1 min ago.

1-year Treasury4.57%APY-equivalent, 2026-10-21

6-month Treasury4.40%state-tax-free

National average 1-year CD1.76%FDIC, 2026-10-19

Inflation (CPI)3.7%year over year, 2026-09

Institutions tracked111670 rates verified

Best 3-month CD rates

#	Institution	Term	Minimum	APY	vs. Treasury
1	Valley Bank	3 months	$500	3.55%	−0.75%
2	Navy Federal Credit Union	3 months	$100,000	1.55%	−2.75%
3	Huntington BankZIP 15222, Pittsburgh, PA	3 months	$1,000	0.25%	−4.04%
4	Webster Bank	3 months	$500	0.02%	−4.28%

Best 6-month CD rates

#	Institution	Term	Minimum	APY	vs. Treasury
1	Huntington BankZIP 60638, Chicago, IL	5 months	$1,000	4.10%	−0.29%
2	Valley Bank	6 months	$500	4.10%	−0.30%
3	Mountain America Credit Union	6 months	$500	4.00%	−0.40%
4	Eastern Bank	6 months	$2,500	3.90%	−0.50%
5	State Employees' Credit Union (SECU)	6 months	$250	3.85%	−0.55%
6	M&T BankZIP 17402, York, PA	6 months	$1,000	3.75%	−0.65%
7	Rockland Trust	7 months	$1,000	3.75%	−0.68%
8	Webster Bank	5 months	$500	0.02%	−4.37%

Best 1-year CD rates

#	Institution	Term	Minimum	APY	vs. Treasury
1	Navy Federal Credit Union	12 months	$50	4.35%	−0.22%
2	Huntington BankZIP 15222, Pittsburgh, PA	13 months	$1,000	4.30%	−0.30%
3	Eastern Bank	14 months	$2,500	4.25%	−0.37%
4	Webster Bank	11 months	$500	4.25%	−0.29%
5	Mountain America Credit Union	12 months	$5	4.15%	−0.42%
6	Rockland Trust	12 months	$1,000	4.00%	−0.57%
7	State Employees' Credit Union (SECU)	12 months	$250	4.00%	−0.57%
8	Wintrust Bank	13 months	$1,000	4.00%	−0.60%
9	BECU	12 months	$500	3.50%	−1.07%
10	Valley Bank	12 months	$500	3.50%	−1.07%

Best 2-year CD rates

#	Institution	Term	Minimum	APY	vs. Treasury
1	Mountain America Credit Union	24 months	$5	4.60%	−0.27%
2	Eastern Bank	18 months	$2,500	4.30%	−0.42%
3	State Employees' Credit Union (SECU)	18 months	$250	4.30%	−0.42%
4	M&T BankZIP 17402, York, PA	18 months	$1,000	4.25%	−0.47%
5	Navy Federal Credit Union	18 months	$100,000	4.15%	−0.57%
6	Rockland Trust	18 months	$1,000	4.15%	−0.57%
7	Webster Bank	18 months	$500	4.00%	−0.72%
8	Wintrust Bank	17 months	$1,000	3.50%	−1.19%
9	Valley Bank	24 months	$500	3.25%	−1.62%
10	Huntington BankZIP 15222, Pittsburgh, PA	18 months	$1,000	0.25%	−4.47%

Best 5-year CD rates

#	Institution	Term	Minimum	APY	vs. Treasury
1	Mountain America Credit Union	60 months	$5	4.60%	−0.41%
2	State Employees' Credit Union (SECU)	60 months	$250	4.00%	−1.01%
3	Navy Federal Credit Union	60 months	$100,000	3.90%	−1.11%
4	Rockland Trust	60 months	$1,000	2.00%	−3.01%
5	Huntington BankZIP 15222, Pittsburgh, PA	60 months	$1,000	0.25%	−4.76%
6	Webster Bank	60 months	$500	0.02%	−4.99%

All institutions

BECU Credit union · WA · up to 3.50%
Eastern Bank Bank · MA · up to 4.30%
Huntington Bank Bank · OH · up to 4.30%
M&T Bank Bank · NY · up to 4.25%
Mountain America Credit Union Credit union · UT · up to 4.60%
Navy Federal Credit Union Credit union · VA · up to 4.35%
Rockland Trust Bank · MA · up to 4.15%
State Employees' Credit Union (SECU) Credit union · NC · up to 4.30%
Valley Bank Bank · NJ · up to 4.10%
Webster Bank Bank · DE · up to 4.25%
Wintrust Bank Bank · IL · up to 4.00%

Calculators

"vs. Treasury" is the CD's APY minus the Treasury yield for the same term (converted to APY). Treasury interest is exempt from state income tax, so a CD usually needs a higher rate to come out ahead — see the T-bill vs. CD calculator. Rates verified through October 22, 2026.