Average CD Rate (2026)
4.65%
Top 12-month CD APY (2026)
Summary
The top 12-month CD APY at online banks is approximately 4.65% in 2026, while the FDIC national average is just 1.84%. CD rates peaked at ~5.5% in 2024 and have drifted down as the Fed funds rate has held at 4.50%. Brokered CDs at major brokerages typically pay 0.10-0.20% above bank-direct CDs.
Breakdown
Source
FDIC National Rates / Bankrate· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.