Best CD Rates (October 2026)
Lock in the best Certificate of Deposit rates across terms. Compare APY, minimums, and penalties.
CDs lock in a fixed rate for a set term. Below are the top current rates.
6 offers, highest APY first. Updated October 22, 2026.
| Rank | Institution | Offer | For | APY |
|---|---|---|---|---|
| 1 |  Limelight Bank | Limelight Bank 6 Month CD | Personal | 5.00% |
| 2 |  Charles Schwab | Charles Schwab 2 Year CD | Personal | 4.75% |
| 3 |  Brilliant Bank | Brilliant Bank 9 Month CD | Personal | 4.00% |
| 4 |  Crescent Bank | Crescent Bank 12 Month CD | Personal | 4.00% |
| 5 |  Bread Savings | Bread Savings 6 Month CD | Personal | 4.00% |
| 6 |  Marcus by Goldman Sachs | Marcus by Goldman Sachs 6 Month CD | Personal | 3.95% |
Frequently asked questions
How often is this Best CD Rates list updated?
Maxint refreshes these rates regularly from provider data. This page was last updated October 22, 2026. Rates change frequently, so verify with the provider before applying.
How are these offers ranked?
Offers are ranked by APY (highest first), sourced directly from each provider and updated on a recurring schedule.
Is this financial advice?
No. Maxint is not affiliated with any financial institution and this is not financial advice. Rates and terms change frequently — always confirm details with the provider.