Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking ...

As of April 29, 2026, the most competitive 12-month certificate of deposit rates reach up to 4.15% APY, well above the national average of 1.53%. Offers vary widely, with some requiring large deposits ...

Right now, the best 1-year CD rate is 4.15% APY from multiple institutions. Compare the top 1-year CDs available nationwide ...

CD rates could shift this month, but they may not move in the direction savers hope for, experts say.

Is it time to get a certificate of deposit?

Now is a good time to buy CDs, although yields have fallen slightly after the Federal Reserve cut its rate three times since ...

Savers can still find CDs with maturities from six months to five years offering 4.00% APY or higher Written By Written by Staff Senior Editor, Buy Side Miranda Marquit is a staff senior personal ...

For the first time since July 2025 — and following three consecutive rate cuts — the Federal Reserve left rates unchanged on Jan. 28, their first meeting of 2026. But more rate cuts could be coming.

High-yield savings accounts get most of the attention. But there are specific situations where a CD is the smarter move.

Recent developments could improve the value of a CD account again. Here's what savers should consider right now.