Best CD Rates — June 2026

Compare current Certificate of Deposit rates from top FDIC-insured banks. Updated weekly.

Rates last updated: June 20, 2026

Best 1-Year Rate

4.75%

Average Rate

4.51%

Banks Compared

On $10k for 12 mo

$475

Sort by:

Bank

1-Year APY

Min Deposit

FDIC

Rating

Action

Bread Financial (Comenity)BEST

Min: $1,500

4.75%

$1,500

✓ FDIC

4.4

Use this rate Apply →

Synchrony Bank

4.55%

None

✓ FDIC

4.6

Use this rate Apply →

Sallie Mae

Min: $2,500

4.55%

$2,500

✓ FDIC

4.3

Use this rate Apply →

Marcus by Goldman Sachs

4.50%

None

✓ FDIC

4.8

Use this rate Apply →

Ally Bank

4.50%

None

✓ FDIC

4.7

Use this rate Apply →

Barclays

4.50%

None

✓ FDIC

4.5

Use this rate Apply →

Discover Bank

Min: $2,500

4.40%

$2,500

✓ FDIC

4.6

Use this rate Apply →

Capital One

4.30%

None

✓ FDIC

4.5

Use this rate Apply →

1-Year CD Rates — Visual Comparison

Bread Financial (Comenity)

4.75%

Synchrony Bank

4.55%

Sallie Mae

4.55%

Marcus by Goldman Sachs

4.50%

Ally Bank

4.50%

Barclays

4.50%

Discover Bank

4.40%

Capital One

4.30%

How to Choose the Right CD

1. Compare APY, Not APR

APY includes compounding effects and is the true return you'll earn. Always compare CDs using APY.

2. Check Early Withdrawal Penalties

Higher rates sometimes come with stiffer penalties. Make sure you can commit for the full term.

3. Verify FDIC Insurance

All banks listed above are FDIC-insured up to $250,000 per depositor. Always verify at fdic.gov.

Disclaimer: Rates shown are indicative and may have changed since the last update. Always verify current rates directly with the bank before opening an account. Some links on this page are affiliate links — we may earn a commission if you open an account, at no extra cost to you. This does not influence our rate rankings.

For educational purposes only — not financial advice. Consult a qualified financial advisor before making investment decisions.