Explore top short- and long-term CD rates available today ...
Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.
The College Investor on MSN
Best 12-month CD rates for January 21, 2026: Up to 4.10%
Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns as rates fall. As of January 21, 2026, the best 12-month CD ...
If you have a large amount of money to deposit, today's best jumbo CD rate is 4.35% APY, offered by Veridian Credit Union.
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