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These instruments offer competitive rates compared to. A 4.50% rate you can guarantee until late 2026 today's highest cd rate in the country is 4.50%—and you have plenty of ways to lock that in. As spring approaches, now's the perfect time to refresh your financial strategy with certificates of deposit offering guaranteed yields of up to 4.40% apy into 2026

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The yields on cds and savings accounts have already started to drift downward in many cases But one rate lock guarantees 4.65% until january 2026. In line with the fed’s lead, analysts expect cd rates to fall further during late 2025.

Below we lay out 23 excellent cds to consider for locking in a rate until 2026, 2027, or much longer—with returns as high as 4.65%.

These are only predictions based on potential rate cuts by the fed. Lock in today's best rates in decades on certificates of deposits on a range of cd terms — from 6 months to 5 years.