Best CD Rates Today: Top 7 Nationwide (Nov 4, 2026)
Rates as of Nov 4, 2026. Compiled from Investopedia (rates verified Nov 3, 2026), NerdWallet (APYs current Nov 3, 2026) and Bankrate (updated Nov 4, 2026). Every figure links to its source.
These are the highest-yield certificates of deposit available nationwide from FDIC-insured banks and NCUA-insured credit unions, with minimum deposits of $25,000 or less. Rates can change daily, so always confirm the current rate on the institution's own site before you open an account.
| Institution | Term | APY | Minimum | Insurer | Source |
|---|---|---|---|---|---|
| USAlliance Financial | 18 months | 5.05% | $500 | NCUA | Investopedia |
| Nuvision Credit Union | 7 months | 5.00% | $1,000 | NCUA | Investopedia |
| Quorum Federal Credit Union | 48 or 60 months | 5.00% | $100 | NCUA | Investopedia, Bankrate |
| Sallie Mae Bank | 60 months | 5.00% | $2,500 | FDIC | Investopedia, NerdWallet |
| Popular Direct | 60 months | 5.00% | $10,000 | FDIC | Investopedia, NerdWallet |
| BTG Pactual | 36, 48 or 60 months | 4.85% | $500 | FDIC | Investopedia, Bankrate |
| Bread Savings | 18 months | 4.85% | $1,500 | FDIC | Investopedia, Bankrate |
Ties at 5.00% and 4.85% are listed in the order Investopedia ranks them. Other strong rates: CFG Bank 4.65% APY on a 1-year CD and Happen Bank 4.40% APY on a 6-month CD (NerdWallet).
How these compare to national averages
The top rates above are more than double the typical rate. Bankrate's Nov 4, 2026 survey puts average CD yields at 2.11% (1-year), 1.88% (2-year) and 1.78% (5-year) (Bankrate). See our national CD and savings rate charts for the long-term trend from Federal Reserve (FRED) data.
Before you open a CD
- Early withdrawal penalties vary a lot, from 3 months of interest to 24 months of interest. Investopedia lists Popular Direct's 5-year penalty as 24 months of interest.
- Credit unions require membership. USAlliance, Nuvision and Quorum have their own eligibility rules.
- Insurance limits: FDIC and NCUA coverage is $250,000 per depositor, per institution, per ownership category. Check that your bank is insured with our FDIC bank search.
- Prefer a local bank? Find banks near you and ask about their CD specials. Branch rates are often lower than online rates, but not always.
Frequently asked questions
What is the best CD rate right now?
As of Nov 4, 2026, the highest nationally available CD rate in the roundups we checked was 5.05% APY on USAlliance Financial's 18-month CD ($500 minimum), per Investopedia. Rates change often; confirm with the institution.
Are these CDs insured?
Bank CDs are insured by the FDIC and credit union certificates by the NCUA, each up to $250,000 per depositor, per institution, per ownership category.
How do these compare to the national average?
Far above it. Bankrate's Nov 4, 2026 survey puts the 1-year national average at 2.11% APY, and the FDIC reports a 12-month average of 1.76%.
Can I join a credit union to get its CD rate?
Usually yes, but credit unions require membership. Many allow anyone to join through a small donation or association membership. Check each credit union's eligibility rules.