Best Certificate of Deposit (CD) Rates April 2026 Up to 6.17%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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If you are looking to maximize your savings, you can compare national CD options like Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT 59102A+5.0 ★Texas Ratio: 2.09% offering 12 Month Youth Certificate at 6.17% APY, or CO-OP Credit UnionCO-OP Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 3.80% offering Youth Saver Certificate - 12-month at 6.00% APY, or La Crosse Burlington Credit UnionLa Crosse Burlington Credit Union1735 Credit Union Ct, La Crosse, WI 54603A+5.0 ★Texas Ratio: 2.48% offering 12-month Youth Saver Certificate at 6.00% APY, or Gundersen Credit UnionGundersen Credit Union1910 South Ave, La Crosse, WI 54601A+5.0 ★Texas Ratio: 0.79% offering Teenager (Age 13-17) - 12 Month Term Certificates at 5.50% APY. CD rates as of April 14, 2026 according to verified data from MonitorBankRates.
Finding the best CD rate is one of the safest ways to grow your savings. Unlike variable accounts, a CD lets you lock in a high APY for a specific term, protecting your return from market fluctuations. We empower savers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution with confidence.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution’s discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 14, 2026
Compare the Best CD Rates Nationwide
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EARLY WITHDRAWAL PENALTIES (Minimum $25)
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Limited time offer
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Teen Cents Club Junior Savers Kangaroo Kids Club Minimum $100.00 Maximum $5,000.00 (Aggregate)
Amount of 4H or FFA Check; Max $5,000
Must be funded by new money not currently on deposit
Available for members under the age of 21; $100 - $2,000; 1 per member
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Promotional rate. Subject to change. Max $50,000 per certificate.
90th anniversary offer!
90th anniversary offer! $500 min. - $9,000 max.; Limit one per primary SSN
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90th anniversary offer!
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New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
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EARLY WITHDRAWAL PENALTIES (Minimum $25)
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CD Special
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Limited Time
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This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
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Early Withdrawal Penalty: 90 days interest
STUDENT Accounts - Maximum $10,000 (Automatic Renewal)
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$5,000 in New-to-MCU money
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$5
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Balance Under $100,000
Under $100,000
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Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
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$100,000 and over
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Minimum $100,000 Deposit to start
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Special
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$500 Minimum; Penalty for early withdrawal
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$100,000 and over
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$100,000 and over
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Limited Time Only:
Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
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$75,000 to $199,999.99
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Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
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$100,000 and over
Enjoy quarterly dividends.
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Automatic Renewal to Regular Certificate
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
National CD Rate Trends
Weekly national average APYs across all 8 CD terms — compiled from 8,500+ banks & credit unions, updated nightly.
National 12-month CD rates fell 0.040 points this week to 2.792%, down from 2.832% last week.
National 6-month CD rates fell 0.005 points this week to 2.665%, down from 2.670% last week.
CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact rates for each week.
Frequently Asked Questions about CD Rates
What is a Certificate of Deposit (CD)?
Are CD rates higher than regular savings accounts?
Is my money safe in a CD?
What happens if I withdraw money from a CD early?
What is APY and how does it differ from the interest rate?
What CD term should I choose?
What is a CD ladder?
Can I add money to a CD after opening it?
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
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