Ranked by APY
Highest CD Rates Today: Top High-Yield CDs Ranked
Every CD in our table ranked from highest APY down — plus a shortlist of the best high-yield CDs that are open nationwide with a minimum of $10,000 or less.
Top 10 high-yield CDs open nationwide (minimum $10,000 or less)
- 1Online bank · Listing #8VQBV · 5 years · $2,500 minimum · FDIC5.00%
Source: national rate survey · Inquire about this CD - 2Online bank · Listing #7V9ST · 5 years · $10,000 minimum · FDIC5.00%
Source: national rate survey · Inquire about this CD - 3Online bank · Listing #DK5HP · 4 years · $10,000 minimum · FDIC4.95%
Source: rate comparison publisher · Inquire about this CD - 4Online bank · Listing #X4P29 · 3 years · $500 minimum · FDIC4.85%
Source: national rate survey · Inquire about this CD - 5Online bank · Listing #V8YNB · 4 years · $500 minimum · FDIC4.85%
Source: national rate survey · Inquire about this CD - 6Online bank · Listing #P467M · 5 years · $500 minimum · FDIC4.85%
Source: national rate survey · Inquire about this CD - 7Online bank · Listing #BB2TB · 18 months · $1,500 minimum · FDIC4.85%
Source: national rate survey · Inquire about this CD - 8Online bank · Listing #TYYEW · 3 years · $10,000 minimum · FDIC4.85%
Source: rate comparison publisher · Inquire about this CD - 9Online bank · Listing #P9HCH · 2 years · $500 minimum · FDIC4.82%
Source: national rate survey · Inquire about this CD - 10Online bank · Listing #KAKY9 · 2 years · No minimum minimum · FDIC4.80%
Source: national rate survey · Inquire about this CD
All listings ranked by APY
63 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Regional credit unionListing #N3KVM · details on inquiryCredit union · NCUAJumbo | 5.23% | 13 months | $100,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing N3KVM, 5.23% 13 months |
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| Credit unionListing #4R44M · details on inquiryCredit union · NCUA | 5.00% | 3 years | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4R44M, 5.00% 3 years |
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| Credit unionListing #LZW7N · details on inquiryCredit union · NCUA | 5.00% | 5 years | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing LZW7N, 5.00% 5 years |
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| Brokered CD from an FDIC-insured bankListing #H28NM · details on inquiryBrokered · FDIC | up to 5.00% | 2 years | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing H28NM, 5.00% 2 years |
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| Online bankListing #8VQBV · details on inquiryBank · FDIC | 5.00% | 5 years | $2,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8VQBV, 5.00% 5 years |
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| Online bankListing #7V9ST · details on inquiryBank · FDIC | 5.00% | 5 years | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 7V9ST, 5.00% 5 years |
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| FDIC-insured bankListing #DUZXQ · details on inquiryBank · FDIC | 5.00% | 5 years | $50,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing DUZXQ, 5.00% 5 years |
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| Online bankListing #DK5HP · details on inquiryBank · FDIC | 4.95% | 4 years | $10,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing DK5HP, 4.95% 4 years |
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| FDIC-insured bankListing #MBG2F · details on inquiryBank · FDIC | 4.91% | 2 years | $25,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing MBG2F, 4.91% 2 years |
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| Online bankListing #X4P29 · details on inquiryBank · FDIC | 4.85% | 3 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing X4P29, 4.85% 3 years |
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| Online bankListing #V8YNB · details on inquiryBank · FDIC | 4.85% | 4 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing V8YNB, 4.85% 4 years |
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| Online bankListing #P467M · details on inquiryBank · FDIC | 4.85% | 5 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P467M, 4.85% 5 years |
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| Brokered CD from an FDIC-insured bankListing #85LCG · details on inquiryBrokered · FDIC | up to 4.85% | 18 months | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing 85LCG, 4.85% 18 months |
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| Online bankListing #BB2TB · details on inquiryBank · FDIC | 4.85% | 18 months | $1,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing BB2TB, 4.85% 18 months |
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| Online bankListing #TYYEW · details on inquiryBank · FDIC | 4.85% | 3 years | $10,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing TYYEW, 4.85% 3 years |
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| Online bankListing #P9HCH · details on inquiryBank · FDIC | 4.82% | 2 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P9HCH, 4.82% 2 years |
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| Online bankListing #KAKY9 · details on inquiryBank · FDIC | 4.80% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KAKY9, 4.80% 2 years |
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| Online bankListing #7HC83 · details on inquiryBank · FDIC | 4.80% | 3 years | No minimum | 270 days of interest (as reported for the 3-year term) | National rate survey |
Inquire about this CD for listing 7HC83, 4.80% 3 years |
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| Online bankListing #ELW9X · details on inquiryBank · FDIC | 4.80% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing ELW9X, 4.80% 5 years |
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| Brokered CD from an FDIC-insured bankListing #5GJBA · details on inquiryBrokered · FDIC | up to 4.80% | 1 year | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing 5GJBA, 4.80% 1 year |
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| Online bankListing #XU3ZP · details on inquiryBank · FDIC | 4.75% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing XU3ZP, 4.75% 2 years |
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| Online bankListing #9HP5B · details on inquiryBank · FDIC | 4.75% | 5 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 9HP5B, 4.75% 5 years |
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| Online bankListing #KNXAS · details on inquiryBank · FDIC | 4.65% | 3 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KNXAS, 4.65% 3 years |
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| Online bankListing #65QCX · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 65QCX, 4.65% 1 year |
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| Online bankListing #FXH53 · details on inquiryBank · FDIC | 4.65% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing FXH53, 4.65% 1 year |
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| Online bankListing #4NLPG · details on inquiryBank · FDIC | 4.65% | 11 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 4NLPG, 4.65% 11 months |
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| FDIC-insured bankListing #K6NYM · details on inquiryBank · FDIC | 4.64% | 1 year | $25,000 | Confirm with institution | Financial news publisher |
Inquire about this CD for listing K6NYM, 4.64% 1 year |
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| Online bankListing #LCLMJ · details on inquiryBank · FDIC | 4.60% | 3 years | $2,500 | Confirm with institution | National rate survey |
Inquire about this CD for listing LCLMJ, 4.60% 3 years |
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| Online bankListing #Z4SX2 · details on inquiryBank · FDIC | 4.60% | 1 year | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing Z4SX2, 4.60% 1 year |
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| Brokered CD from an FDIC-insured bankListing #R9QVW · details on inquiryBrokered · FDIC | up to 4.58% | 9 months | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing R9QVW, 4.58% 9 months |
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| Online bankListing #YS27D · details on inquiryBank · FDIC | 4.55% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing YS27D, 4.55% 1 year |
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| Online bankListing #6V2NC · details on inquiryBank · FDIC | 4.51% | 15 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6V2NC, 4.51% 15 months |
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| FDIC-insured bankListing #CSJSN · details on inquiryBank · FDIC | 4.50% | 11 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing CSJSN, 4.50% 11 months |
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| Online bankListing #MAG3B · details on inquiryBank · FDIC | 4.50% | 1 year | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing MAG3B, 4.50% 1 year |
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| Online bankListing #2C85Y · details on inquiryBank · FDIC | 4.50% | 15 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 2C85Y, 4.50% 15 months |
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| Credit unionListing #6ND7M · details on inquiryCredit union · NCUA | 4.50% | 1 year | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6ND7M, 4.50% 1 year |
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| Online bankListing #YJQHA · details on inquiryBank · FDIC | 4.50% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing YJQHA, 4.50% 1 year |
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| Online bankListing #59G3S · details on inquiryBank · FDIC | 4.50% | 1 year | $2,500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing 59G3S, 4.50% 1 year |
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| Online bankListing #PEHZ3 · details on inquiryBank · FDICNo-penalty | 4.46% | 1 year | $1,000 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing PEHZ3, 4.46% 1 year |
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| Credit unionListing #GVTS9 · details on inquiryCredit union · NCUA | 4.40% | 6 months | $100 | Confirm with institution | National rate survey |
Inquire about this CD for listing GVTS9, 4.40% 6 months |
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| Online bankListing #96QQP · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 96QQP, 4.40% 6 months |
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| Online bankListing #G8XVC · details on inquiryBank · FDIC | 4.40% | 6 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing G8XVC, 4.40% 6 months |
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| Online bankListing #8UMTJ · details on inquiryBank · FDIC | 4.40% | 1 year | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing 8UMTJ, 4.40% 1 year |
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| Online bankListing #8QLPA · details on inquiryBank · FDICNo-penalty | 4.35% | 9 months | $500 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing 8QLPA, 4.35% 9 months |
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| Brokered CD from an FDIC-insured bankListing #F4MZW · details on inquiryBrokered · FDIC | up to 4.35% | 6 months | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing F4MZW, 4.35% 6 months |
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| Credit unionListing #J9KEW · details on inquiryCredit union · NCUA | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing J9KEW, 4.35% 1 year |
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| Online bankListing #KFVQV · details on inquiryBank · FDIC | 4.35% | 1 year | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing KFVQV, 4.35% 1 year |
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| Online bankListing #QQRS2 · details on inquiryBank · FDIC | 4.35% | 6 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing QQRS2, 4.35% 6 months |
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| Online bankListing #QNDGJ · details on inquiryBank · FDIC | 4.30% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing QNDGJ, 4.30% 3 months |
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| Credit unionListing #WEWKU · details on inquiryCredit union · NCUA | 4.30% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing WEWKU, 4.30% 6 months |
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| Online bankListing #3GM5M · details on inquiryBank · FDIC | 4.30% | 3 months | $10,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 3GM5M, 4.30% 3 months |
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| Brokered CD from an FDIC-insured bankListing #V3S8V · details on inquiryBrokered · FDIC | up to 4.27% | 3 months | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing V3S8V, 4.27% 3 months |
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| FDIC-insured bankListing #BPEX5 · details on inquiryBank · FDIC | 4.25% | 1 year | $500 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing BPEX5, 4.25% 1 year |
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| Credit unionListing #AE42P · details on inquiryCredit union · NCUANo-penalty | 4.25% | 11 months | $500 | None — penalty-free early closure (special offer) | Deposit-rate newsletter |
Inquire about this CD for listing AE42P, 4.25% 11 months |
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| Online bankListing #W5PVY · details on inquiryBank · FDIC | 4.25% | 6 months | $1,000 | Confirm with institution | Rate comparison publisher |
Inquire about this CD for listing W5PVY, 4.25% 6 months |
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| FDIC-insured bankListing #6C5CL · details on inquiryBank · FDIC | 4.25% | 10 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6C5CL, 4.25% 10 months |
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| Online bankListing #6DP3W · details on inquiryBank · FDICNo-penalty | 4.25% | 11 months | $1,000 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing 6DP3W, 4.25% 11 months |
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| Online bankListing #63V3T · details on inquiryBank · FDIC | 4.20% | 6 months | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing 63V3T, 4.20% 6 months |
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| FDIC-insured bankListing #R899Z · details on inquiryBank · FDIC | 4.20% | 6 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing R899Z, 4.20% 6 months |
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| Online bankListing #GGGK4 · details on inquiryBank · FDIC | 4.10% | 3 months | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing GGGK4, 4.10% 3 months |
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| Online bankListing #XNHRT · details on inquiryBank · FDICNo-penalty | 3.80% | 13 months | $500 | None — no-penalty CD | Rate comparison publisher |
Inquire about this CD for listing XNHRT, 3.80% 13 months |
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| Online bankListing #DVDX8 · details on inquiryBank · FDICNo-penalty | 3.75% | 13 months | $5,000 | None — allows three penalty-free withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing DVDX8, 3.75% 13 months |
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| Online bankListing #KHV5U · details on inquiryBank · FDICNo-penalty | 2.90% | 11 months | No minimum | None — penalty-free early closure | Deposit-rate newsletter |
Inquire about this CD for listing KHV5U, 2.90% 11 months |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
Getting the highest CD rate safely
The highest rate on a page is only worth having if it fits your plans. Before you chase the top number, make sure the term matches your timeline, you can meet the minimum, and you’re eligible to open the account. Check that the institution is FDIC-insured (banks) or NCUA-insured (credit unions) and that your total balance there stays within $250,000 per ownership category. Finally, compare the early withdrawal penalty — a higher APY can be wiped out by a steep penalty if you need the money early.
FAQs
What is the highest CD rate available right now?
In our table, the highest listed APY is 5.23% on a 13 months CD from a regional credit union (listing #N3KVM; $100,000 minimum; regional membership requirements apply). The very top rates often come with eligibility limits, so check the details in each listing.
Why are some of the highest CD rates hard to get?
The very top rates often come with conditions: credit union membership limited to a region or employer, large minimum deposits, or short promotional windows. That’s why we also rank offers that are nationally available with a minimum of $10,000 or less.
Do high-yield CDs carry more risk?
Not when the institution is FDIC- or NCUA-insured and you stay within coverage limits. A higher rate usually reflects a bank competing for deposits, not extra risk to insured funds. The main trade-offs are lock-up and early withdrawal penalties.
No questions match that search. Ask us directly.
Start with the date you need the money
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.
Compare CD options Free to use. Availability and eligibility vary by institution.