Marcus by Goldman Sachs offers the highest 9-month CD rate at 4.10%, nearly 2.5x the national average, amid stable Fed policy.
The highest certificate of deposit rate available today reaches 4.10% annual percentage yield on a 9-month term, offered by Marcus by Goldman Sachs. This follows the Federal Reserve’s three rate cuts in 2025 and no adjustments in 2026, leaving deposit yields elevated above historical averages.
National average CD rates remain significantly lower, with the 1-year term averaging 1.65%, according to FDIC data. Online banks and credit unions continue to outpace traditional institutions, reflecting broader trends in competitive deposit pricing. Current rates are among the highest seen in nearly two decades, driven by the Fed’s prior inflation-fighting policies.
Investors seeking yield may find short-term CDs attractive as rates stabilize, though future Fed moves could shift the landscape. The gap between top offers and national averages underscores the value of shopping across institutions.