Could the 4% CD today feel like a win a year from now? 5 pros on where CD rates will go in early 2026 — and whether you should lock in now

Some pros say the Fed is likely to make rate cuts in 2026. Indeed, with the Fed’s first meeting of the year not scheduled ...

Today’s CD rates for January 7, 2026: Highest APYs range from 4.10% to 4.78%

The best CD yield from a national bank is The First National Bank of Litchfield with a 4.06% APY on a 12-month CD with a ...

Best CD rates for January 2026

High-yield savings account: According to DepositAccounts.com, as of January 2026, the top-yielding 1% of high-yield savings accounts offer an average of 3.86% APY, while the top average CD yield is ...
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Some CDs are still offering 4% and up — but experts say ‘rates are likely to decline.’ So should you lock in now?

If you’ve been eyeing a CD, now may be the time to lock in, as many experts predict that CD rates are likely to dip in December and the coming months. “A third rate cut [from the Federal Reserve] this ...

CD Rates Today: December 30, 2025 – Rates As High As 4.94%

Today's highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the ...