Average CD Rates Near Steady Across All 8 Terms;
Benchmark 12-Month Holds at 2.810%
Week Ending April 7, 2026

CD rates were near flat this week with four terms edging higher, three dipping marginally, and the 36-month unchanged. Moves ranged from -0.004 to +0.005 percentage points.

📊 Full week-over-week data for all 8 CD terms — drawn from 36,336 verified APY quotes across 18,952 institution-term combinations.

NATIONAL — National certificate of deposit APYs were near steady for the week ending April 7, 2026, with moves across all eight tracked terms holding within a tight ±0.005 percentage point range. The benchmark 12-month CD edged up to 2.810% — a gain of just 0.001 percentage points from the prior week’s 2.809% — as the deposit rate market showed signs of stabilization following last week’s broad-based advance. Four terms gained, three dipped, and the 36-month held flat.

In the short-term segment, the 3-month CD slipped a marginal 0.001 points to 1.912%, while the 6-month CD added 0.004 points to reach 2.672%. The spread between the 3-month and 6-month terms widened fractionally to 0.760 percentage points, continuing to favor savers willing to commit to at least a six-month term.

Mid-term and long-term CDs were similarly subdued. The 12-month CD rose just 0.001 points to 2.810%, maintaining its position as the highest-yielding tracked term. The 18-month dipped 0.002 points to 2.614% and the 24-month eased 0.004 points to 2.649%. The 36-month held exactly flat at 2.597% — the week’s only unchanged term. In the longer-duration segment, the 48-month gained 0.001 points to 2.585% and the 60-month led all terms with a 0.005-point gain to 2.679%. The six-month through 36-month terms cluster within a 0.075-point band between 2.597% and 2.672% — a notably flat intermediate term structure.

The 60-month CD led all terms this week with a 0.005-point gain to 2.679%, placing it fractionally above the 6-month at 2.672% and the 24-month at 2.649%. The 5-year term continues to offer only a slim premium over shorter commitments — just 0.007 points above the 6-month — which limits the yield case for locking in funds for a full five years unless rate certainty is a priority. The 12-month benchmark at 2.810% remains the yield leader in an otherwise very flat term structure.

The near-flat weekly movement across CD terms reflects a pause following last week’s broad advance across all eight terms. With the Federal Reserve holding rates steady entering April 2026, institutions appear to be making only minor adjustments to their CD offerings as deposit competition stabilizes. The 36-month term’s unchanged rate and the tight ±0.005 range across all terms suggest the market is in a period of consolidation rather than directional movement.

The flat term structure continues to define the CD market. Six-month through 36-month terms are clustered within a 0.075-point band between 2.597% and 2.672%, while the 12-month benchmark stands above at 2.810%. For savers evaluating CD terms, the data continues to reward shopping across terms: the 6-month CD at 2.672% offers nearly equivalent yield to the 24-month at 2.649%, with significantly more flexibility. Savers seeking long-term rate certainty can find the 60-month at 2.679%, though the premium over shorter terms remains thin. Track how these spreads evolve on the national CD rate trends page.

With most terms holding near last week’s levels, the current environment reflects a stable, competitive deposit market. The 12-month CD at 2.810% represents a solid benchmark, though top-tier offers from individual institutions continue to exceed national averages by a meaningful margin. Compare the best CD rates from banks and credit unions nationwide →