{"id":85749,"date":"2026-04-28T12:02:47","date_gmt":"2026-04-28T12:02:47","guid":{"rendered":"https:\/\/diyhaven858.wasmer.app\/index.php\/best-cd-rates-today-april-27-2026-lock-in-up-to-4-05-apy\/"},"modified":"2026-04-28T12:02:47","modified_gmt":"2026-04-28T12:02:47","slug":"best-cd-rates-today-april-27-2026-lock-in-up-to-4-05-apy","status":"publish","type":"post","link":"https:\/\/diyhaven858.wasmer.app\/index.php\/best-cd-rates-today-april-27-2026-lock-in-up-to-4-05-apy\/","title":{"rendered":"Best CD rates today, April 27, 2026 (Lock in up to 4.05% APY)"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Today\u2019s CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate 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&#8217;s high rates with a certificate of deposit (CD). Here\u2019s a look at today\u2019s best CD rates and where you can find the best offers.<!-- HTML_TAG_END --><\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-20izhx\" id=\"best-cd-rates-today\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->Best CD rates today<!-- HTML_TAG_END --> <\/h2>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Today, the highest CD rate is 4.05% APY. This rate is offered by Marcus by Goldman Sachs on its 9-month CD.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Here is a look at some of the best CD rates available today from our verified partners.<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=b7208155-7380-48c1-bb53-9755099a0699&amp;contentId=f1eeb478-2774-45de-8426-c4ceca9b169f&amp;viewId=VKrCoJV83z_lgcZpqYulDw&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr&amp;url=https%3A%2F%2Ffinance.yahoo.com%2Fpersonal-finance%2Fbanking%2Farticle%2Fbest-cd-rates-today-monday-april-27-2026-100000781.html\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-20izhx\" id=\"national-average-cd-rates\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->National average CD rates<!-- HTML_TAG_END --> <\/h2>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you&#8217;re considering a CD, these rates are some of the highest available, especially when compared to the national average rates, which are significantly lower. It&#8217;s also worth noting that online banks and credit unions generally offer more competitive rates compared to traditional brick-and-mortar banks\u200b.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><em>Read more: <\/em><em>What is a good CD rate?<\/em><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Here\u2019s a look at the average CD rate by term as of April 2026 (the most recent data available from the FDIC):<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The highest national average interest rate for CDs stands at 1.53% for a 1-year term. However, in general, today\u2019s average CD rates represent some of the highest seen in nearly two decades, largely due to the Federal Reserve&#8217;s efforts to combat inflation by keeping interest rates elevated.<!-- HTML_TAG_END --><\/p>\n<h2 class=\"text article-heading-atom neo-font-heading-lg  yf-20izhx\" id=\"how-to-find-the-best-cd-rates\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><!-- HTML_TAG_START -->How to find the best CD rates<!-- HTML_TAG_END --> <\/h2>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->If you\u2019re thinking about opening a CD, it\u2019s important to choose one with a high APY and term length that matches your financial goals. Here are some tips for finding the best CD rates and accounts that match your needs:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Shop around:<\/strong> It\u2019s a good idea to evaluate CD rates from a variety of financial institutions and compare your options before settling on an account. You can easily compare CD rates online.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Consider online banks: <\/strong>Online banks tend to have lower overhead costs, which allows them to offer higher interest rates on CDs. In fact, online banks often have the most competitive rates available.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Check minimum deposit requirements: <\/strong>Higher CD rates might come with higher minimum deposit requirements, so make sure the amount you plan to deposit aligns with the requirements to get the best rate.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><strong>Review account terms and conditions: <\/strong>Beyond the CD\u2019s rate, look at terms for early withdrawal penalties and auto-renewal policies. Some CDs offer better terms for flexibility, such as no-penalty CDs, which allow you to withdraw your funds without a fee before the maturity date.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul>\n<figure data-testid=\"article-figure-image\" class=\"yf-750ceo\">\n<div class=\"image-container yf-lglytj\" style=\"--max-height: 247px;\">\n<div class=\"image-wrapper yf-lglytj\" style=\"--aspect-ratio: 960 \/ 247; --img-max-width: 960px;\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/vzwuSZSfKA0hVbkCdzAA9Q--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTI0Nw--\/https:\/\/media-mbst-pub-ue1.s3.amazonaws.com\/creatr-uploaded-images\/2025-09\/4e5903d0-8a62-11f0-b743-fc33b913cdac\" alt=\"CD banner\" loading=\"eager\" height=\"247\" width=\"960\" class=\"yf-lglytj  loaded\"\/><\/div>\n<\/div>\n<\/figure><\/div>\n<p><br \/>\n<br \/><a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today\u2019s CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate 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&#8217;s high rates with a certificate of deposit (CD). Here\u2019s a look at [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daextam_enable_autolinks":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10],"tags":[],"class_list":["post-85749","post","type-post","status-publish","format-standard","hentry","category-business-news"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/85749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/comments?post=85749"}],"version-history":[{"count":0,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/posts\/85749\/revisions"}],"wp:attachment":[{"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/media?parent=85749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/categories?post=85749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diyhaven858.wasmer.app\/index.php\/wp-json\/wp\/v2\/tags?post=85749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}