CD Rates Today: January 26, 2026 – Rates As High As 4.94%

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

How High Could CD Rates Go in 2026?

Stop losing money. 2026 CD rates are around 4.00%. See why a big bank's 0.01% is potentially costing you $1,000+ this year.

Today’s CD rates for January 23, 2026: Highest APYs range from 4.10% to 4.78%

Explore top short- and long-term CD rates available today ...

Best CD Rates Today, Jan. 12, 2026: Fewer High-Yield Offers Left -- Don't Miss Out

Top CDs today offer up to 4.27% APY, making now a smart time to lock in a solid return before rates move lower.

$20,000 CD vs. $20,000 high-yield savings account: Here's which can earn more in 2026

The interest-earning potential with either account is significant now, but only one will guarantee those returns.

What's a good long-term CD account interest rate in 2026?

CD account interest rates remain competitive at the start of 2026. Here's what a good long-term CD account rate is now.

The Fed Meets This Week—What It Could Mean for Savings and CD Rates

After cutting rates late last year, the Federal Reserve will soon make its first rate decision of 2026. Here’s how the ...
MarketWatch

Some CDs are still offering 4% and up — but experts say ‘rates are likely to decline.’ So should you lock in now?

If you’ve been eyeing a CD, now may be the time to lock in, as many experts predict that CD rates are likely to dip in December and the coming months. “A third rate cut [from the Federal Reserve] this ...