Best CD Rates of June 2026
Lock in today’s highest APYs from FDIC-insured banks and credit unions. Compare 3-month to 5-year CDs, side by side, in one place.
- 5.40%
- Top 12-mo APY
- FDIC
- Insured banks
- 50+
- Banks compared
- Daily
- Rate updates
Live rates
Today’s Best CD Rates
Compare top APYs from FDIC-insured banks. Updated daily.
High-yield savings
Top High-Yield Savings Accounts
Prefer flexibility? See today’s leading savings APYs.
Personalized match
Find Your Best Deposit Match
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Why us
The smartest way to shop CD rates
Updated daily
We refresh APYs every business day so you never compare stale rates.
FDIC-insured only
Every bank we list is FDIC- or NCUA-insured up to $250,000.
No hidden fees
Transparent terms — no affiliate gotchas or padded numbers.
Side-by-side compare
Filter by term, minimum deposit, and APY in one view.
Expert-reviewed
Our editorial team vets every institution before it’s listed.
Free to use
Always free for consumers. No account or email required.
Testimonials
Trusted by thousands of savers
“Locked in a 5.35% 12-month CD in under 10 minutes. The comparison made it effortless.”
“I checked three other sites and this had the freshest rates by a mile.”
“The deposit match tool pointed me to a credit union I never would’ve found.”
FAQ
Frequently asked questions
What is a CD and how does it work?
A certificate of deposit (CD) is a savings product that pays a fixed interest rate for a set term. In exchange for leaving funds untouched, you typically earn a higher APY than a standard savings account.
Are CDs safe?
Yes. CDs at FDIC-insured banks are protected up to $250,000 per depositor, per bank. Credit union CDs carry equivalent NCUA insurance.
What CD term should I choose?
Shorter terms (3–12 months) offer flexibility; longer terms (3–5 years) typically lock in higher rates. A CD ladder can balance both.
Can I withdraw money early from a CD?
Usually yes, but most banks charge an early-withdrawal penalty equal to several months of interest. Check the terms before opening.
How often are these rates updated?
We refresh listed APYs every business day directly from each institution.
Ready to earn more on your savings?
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