What are today's CD interest rates?

Long-term CDs give you the opportunity to earn today's rates for up to 5 or even 10 years. /iStockphoto Saving money can be a challenge in an economy with persistent inflation . After all, if your money doesn't earn a return that's at least equal to inflation, it will lose buying power. But, a certificate of deposit (CD) can help. That's because today's leading accounts come with higher returns than the current inflation rate . However, strong current returns aren't the only reason to invest in these savings vehicles either. You can lock in today's high rates for the term of the CD. Moreover, they're safe investments, generally coming with FDIC or NCUA insurance on balances up to $250,000. Start your journey by comparing top CD rates and earn more today . What are today's CD interest rates? Depending on your CD type , terms and other details, there's a varying range of CD rates you can qualify for today. The following CD rates are the current national averages for specific terms as of April 30, 2026, according to Bankrate . 1-year CD yield: 1.93% APY 3-year CD yield: 1.65% APY 5-year CD yield: 1.70% APY These averages look much different from the actual rates available on top CDs today , though. …