Looking for the highest CD rates? Discover where to find high-yield CDs with the best rates available today. CD rates have been declining due to multiple Fed rate cuts, but some banks still offer competitive rates, with the highest CD rate currently at 4% APY from Marcus by Goldman Sachs. Compare these rates to the national average from the FDIC as of January 2026. Online banks and credit unions also offer competitive CD rates, providing a safe and stable savings option with federal insurance. However, consider drawbacks such as early withdrawal penalties and lower returns compared to investing in the market for long-term goals.

Read more at Yahoo Finance: Best CD rates today, February 13, 2026 (up to 4% APY return)