Marcus by Goldman Sachs offers the highest 14-month CD rate at 4% APY amid stable Fed policy in 2026.
Certificate of deposit rates remain near multi-decade highs, with the top yield reaching 4% APY on a 14-month term from Marcus by Goldman Sachs. The Federal Reserve’s rate cuts in 2025 and steady policy in 2026 have sustained elevated deposit account yields.
National average CD rates stand at 1.55% for a 1-year term, significantly below today’s best offers. Online banks and credit unions continue to outpace traditional institutions, reflecting broader market conditions shaped by the Fed’s inflation response.
Current rates represent some of the highest levels in nearly 20 years, driven by the central bank’s prolonged tight monetary stance. Investors face a narrowing window to lock in yields before potential further adjustments.