‘Rates will continue to trend lower.’ Is it time to lock in a CD, with some still offering 4%-and-higher APYs?

5 pros offer their certificate of deposit predictions for February — and beyond ...

This CD is still offering 6% — and four more with 5%-and-higher APYs

We scoured all the options to find the highest CD rates of February 2026, as well as the most accessible ones ...

10 highly-ranked CDs that all offer 4% APYs or higher

We analyzed “best CD” reviews from nine financial sites to find the most-recommended certificates of deposit this month ...

Why I'm Not Opening Any CDs in 2026 -- Even With Rates Near 4%

Top CD rates are still hovering near 4%, offering a solid guaranteed rate on your cash for months or years. Find out why I'm ...

The Top 1-Year CD Rate Just Climbed Today—And You Can Flex the Term

The top nationwide rate for a 1-year CD rose to 4.25% today, and you also have the option to choose a shorter 3-, 6-, or ...
Money on MSN

Best banks for CD rates for February 2026

Read on to learn about the best banks for CD rates in 2026.
NerdWallet

Current CD Rates, January 2026: APYs Drop

-0.40 percentage point (40 basis points). See methodology details Medians, or midpoints, consist of APYs of CDs or share certificates collected from the websites of the following 21 financial ...