9 Best CD Rates of 2026

Barclays ranks first because it pairs the highest long-term rate we found with no minimum deposit. Its Online CD table showed 4.75% APY on both the 24-month and 60-month terms, 4.50% on 12, 18, 36 and 48 months, and 4.00% on 6 and 9 months, with the rates dated 10/07/2026. Barclays says no minimum opening balance or deposit is required and there are no monthly maintenance or annual fees. Interest compounds daily and is credited monthly. The early withdrawal penalty is moderate for a fixed-rate account: 90 days of simple interest for terms of 24 months or less and 180 days for longer terms. Two details to note: you must fund the account within 14 days of opening, and phone support runs 8:00 am to 8:00 pm ET seven days a week rather than around the clock. Barclays Online Banking is provided by Barclays Bank Delaware, Member FDIC.

Marcus by Goldman Sachs is the pick for savers who fear opening a CD the week before rates rise. Its 10-Day CD Rate Guarantee says that if you open a High-Yield CD and deposit at least $500 within the first 10 days, you automatically get the higher rate if the rate on your term changes in that window. Posted rates as of November 13, 2026 were 4.60% APY on the 18-month and 2-year CDs, 4.50% on 12 months, 4.30% on 9 months and 4.00% on 6 months, and terms run as long as 6 years. The $500 minimum is the main cost compared with no-minimum rivals, and Marcus notes that maximum balance limits apply. The contact center is open 24 hours a day, 7 days a week. Deposits are held at Goldman Sachs Bank USA, Member FDIC. Our automated check of the Marcus page hit a security challenge, so the rates are listed from the page as rendered in a browser and the price check is marked pending.

Ally Bank suits savers who plan to keep rolling CDs over, because it currently adds a 0.05% Loyalty Reward when you renew into any Ally CD. Its High Yield CD showed a top rate of 4.50% APY as of 11/13/2026, with terms from 3 months to 5 years. There is no minimum deposit, no monthly maintenance fee, and the Ally Ten Day Best Rate Guarantee gives you the best rate Ally offers for your term. Penalties are among the lightest here: 30 days of interest on terms under 3 months, 60 days on 3 to 24 months, 90 days on 25 to 36 months, 120 days on 37 to 48 months and 150 days on 49 months or longer. Ally does not allow partial withdrawals, and you cannot add money until maturity, though you can withdraw at no charge in a 10-day grace period. Phone support is open 24/7. Ally Bank is a Member FDIC.

Bread Savings posted the highest CD rate in our comparison: 4.85% APY on its 18-month CD as shown on November 13, 2026. Shorter terms were also strong, at 4.45% for 1 year, 4.40% for 9 months, 4.05% for 6 months and 3.95% for 3 months, and terms run to 5 years. The catch is the entry ticket. Each CD needs a $1,500 minimum opening deposit made in a single transaction, and the maximum is $1,000,000 per account. Penalties are steeper than Ally's: 90 days of simple interest for terms under 1 year, 180 days for 12 months to 3 years and 365 days for 4 years and up. Bread charges no monthly maintenance fees but lists $5 for paper statements, $15 for official checks and $25 for outgoing wires, so use free ACH transfers instead. Deposits are FDIC insured through Comenity Capital Bank.

Capital One 360 CD is a sound pick if your goal is about a year away. Its rate table effective 11/13/2026 showed 4.45% APY on the 12-month term, 3.75% on 9 months and 3.30% on 6 months, while terms from 18 to 60 months paid 3.50% to 3.60%. There is no minimum deposit and no monthly fee, and Capital One says opening takes about 5 minutes. The penalty is simple to read: 3 months of interest for terms of 12 months or less and 6 months of interest for longer terms, and you cannot make a partial withdrawal. Interest compounds and is credited monthly. Phone support runs 7 days a week from 8 a.m. to 11 p.m. ET. Discover's CD page now shows the Capital One 360 CD. The weak spot is anything beyond 12 months, where Barclays and Marcus pay about a full point more.

CIT Bank earns its place with the No-Penalty, 11-Month CD, which paid 3.90% APY as of July 1, 2026 and lets you withdraw the total balance and interest without penalty starting seven days after funds arrive. That makes it a middle ground between a savings account and a locked CD: the rate is fixed, but you can leave. CIT's standard Term CDs are weaker, with a 6-month CD at 3.75% APY and an 18-month CD at 2.75% APY, and the 18-month CD renews as a 2-Year Term CD. Jumbo CDs are built for balances of $100,000 or more. The minimum deposit is $1,000 for the No-Penalty CD and the featured Term CDs, and there are no monthly maintenance fees. CIT is a division of First Citizens Bank, and deposits are FDIC insured up to $250,000 per depositor, per ownership category. The posted rate date is older than most rivals here.

Synchrony Bank is on this list for its CD variety rather than a rate we could confirm. Its CD page lists no minimum deposit and no monthly fees, and it offers a Bump-Up CD, where you can request a rate increase once during the term if Synchrony's Bump-Up rate rises, and a No-Penalty CD for savers who want flexible access. You can withdraw interest paid during the current term at any time without penalty, either to a Synchrony savings or money market account or to another bank. Penalties on principal are steep for long terms: 90 days of simple interest for terms of 12 months or less, 180 days for terms over 12 months and under 48 months, and 365 days for 48 months or more. Synchrony features 15-month, 24-month and 60-month CDs, but the page loads its APYs by script, so we could not read the current rates and scored the account conservatively.

Brilliant Bank keeps its CD line short: three terms of 3, 9 and 15 months, each at 4.00% APY. That flat rate is the appeal, because a 3-month CD paying the same as a 15-month one lets you lock in without tying money up for long. The minimum opening deposit is $1,000, which is also the minimum balance needed to earn the APY, and each account tops out at $500,000. The 3-month CD credits interest at maturity, while the 9-month CD credits monthly. Brilliant Bank is a division of Equity Bank, and deposits at the two are insured together up to $250,000. There are real limits: the page dates its rates as effective 12/19/25, says the initial APY is for new depositors only, and the rates are not available in Nebraska, Kansas, Missouri, Oklahoma and Arkansas. Early withdrawal penalties may apply, but the CD page does not list them.

American Express offers CDs from American Express National Bank with terms up to five years, no minimum balance and no monthly fees. Interest compounds daily and is credited monthly, and support is available 24/7 by phone. Opening is three steps: apply and verify your identity, register online, then fund by linking an external bank, which can take up to two days, or by mailing a check. The rules are strict once you are in. American Express does not allow partial withdrawals, so taking any money out early means withdrawing the full amount and closing the CD, and it warns that early withdrawal penalties could cause you to lose some principal. You can add or withdraw funds only during a 10 calendar-day grace period after maturity. The CD page did not display current APYs when we checked, and American Express says the rate is disclosed in your account-opening documents, so we scored value conservatively.