CD rates have come down from their peaks — but the best online banks still pay 10x the national average. Lock in a guaranteed return with one of these top-yielding certificates of deposit, all FDIC or NCUA insured.
* Sample top-term APYs as of October 2026. CD rates change daily — always confirm the live rate on the bank's site before opening an account.
| Rank | Bank | Rating | Sample APY* | Min. deposit | Get started |
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Every bank gets a score from 0 to 5. Our analysts weigh what matters most to CD savers:
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Many or all of the products featured here are from our partners who compensate us. That may influence which products we write about and where and how they appear on a page.
It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
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