Today’s CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate three times in 2024 and three times in 2025. This has a ripple effect on deposit account rates, which means now could be your last chance to lock in today's high rates with a certificate of deposit (CD). Here’s a look at today’s best CD rates and where you can find the best offers. Best CD rates today As of January 5, 2026, the highest CD rate is 4.1% APY. This rate is offered by LendingClub ...