Marcus by Goldman Sachs offers the highest 14-month CD rate at 4.10% APY amid stable Fed policy in 2026.
The highest certificate of deposit rate available today reaches 4.10% APY, offered by Marcus by Goldman Sachs on a 14-month term. This follows a period of declining rates after the Federal Reserve cut its benchmark rate six times in 2024 and 2025.
National averages for CD rates remain significantly lower, with the FDIC’s most recent data for July 2026 showing a gap between top offers and broader market rates. Shorter-term CDs, particularly those under one year, continue to offer the most competitive yields.
Online banks and neobanks are driving the highest rates, reflecting lower overhead costs compared to traditional brick-and-mortar institutions. The Fed’s decision to leave rates unchanged in 2026 has stabilized CD yields, though they remain below peaks seen in prior years.