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

Savers can still find CDs with maturities from six months to five years offering 4.00% APY or higher ...

What is a CD? A Certificate of Deposit or CD is a type of savings account that keeps money locked up for a set period, usually three months to five years. The longer the CD period the higher the rate.

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. However, the interest rate climate of March 2026 is noticeably different ...

CDs are one of the few safe havens still paying meaningful interest. With rates near 4.00% APY, they let you earn steady, guaranteed returns without worrying about what the market or the Fed does next ...