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-5bps this week

CD Rate Trends

See where CD yields sit today, how the lock-in window is changing, and when a CD ladder may make sense.

Best 12-month CD APY

4.15% APY

Benchmark average

1.71% APY

User opportunity

Small rate differences compound over time

Historical archive

CD Rates over time

-5bps this week
Jun 4Jul 2Jul 29Aug 26Sep 23

Sep 21

4.50%

Sep 22

4.50%

Sep 23

4.50%

What changed

CD Rates moved down by 5 basis points this week.

Why it matters

Should I lock a CD before rates fall?

What to do next

Compare terms before committing to a lock-up period.

How we track this rateShow
SourceSwitchWize Rate Scout (Bankrate), updated daily
MethodBest 12-month CD APY sourced from SwitchWize Rate Scout daily scrape. Rate reflects the highest published APY across FDIC-insured institutions. Term length and minimum deposit conditions apply per issuer.

Verified existing coverage

Use what SwitchWize already has

6 links
GuideBest CD Rates: Top Yields for Rate CertaintyCompare the best CD rates 2026 has to offer. See live APYs, dollar-impact projections, and strategies to lock in guaranteed returns while the Fed path remains uncertain.GuidePrivate Bank Minimum Requirements: The Real Entry LadderPrivate bank minimum requirements range from $3M to $25M in investable assets. Compare thresholds, fees, and alternatives to find your best fit.GuideRetirement Savings: Build a Plan That Actually LastsA complete guide to retirement savings 2026 covering how much to save, which accounts to use, catch-up strategies for late starters, and tax-smart withdrawals.GuideTokenized Treasuries Guide: On-Chain T-Bill Yield ExplainedA complete tokenized treasuries guide comparing on-chain T-bill yields, fees, and risks to money market funds and high-yield savings accounts for 2026.CalculatorCD Ladder OptimizerDecide whether to build a CD ladder, keep cash liquid, or use a single CD, with after-tax income, weighted APY, and liquidity warnings.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

Related rate pages

All rates

Benchmark

10-Year Treasury

-6bps this week

4.15%

10-year Treasury yield

Follow the market yield that often influences mortgage pricing and long-term rate sentiment.

Product rate

Money Market

+5bps this week

4.10% APY

Best MMA APY

Track money market account yields for savers who want higher APY with more access than CDs.

Product rate

Savings Rates

No weekly change

4.20% APY

Best HYSA APY

Track top savings APYs, national averages, and the rate gap between traditional banks and high-yield accounts.

Benchmark

Fed Funds

No weekly change

3.63%

Fed funds midpoint

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.