Seeking Financial Security? Lock in a 4.60% Return on Your Cash Until 2026 and Beyond

Essential Insights

• Amid economic uncertainty driven by tariffs, maintaining a substantial cash reserve is a wise decision.
• Securing a robust return on your savings is crucial, especially considering current inflation trends.
• With anticipated Federal Reserve interest rate cuts this year, investing in a leading nationwide CD allows you to lock in attractive rates for months or years ahead.
• Explore over 30 top CD options with guaranteed rates extending through 2026, 2027, and beyond, offering yields up to 4.60%.

The comprehensive article continues after these exclusive offers from our partners.

Why Prioritizing Strong Returns on Your Cash Is Vital Today

Whenever you keep funds in a bank, ensuring a competitive return is prudent. This is especially critical during periods of elevated inflation since earning less than the inflation rate diminishes your money's purchasing power over time.

Although the recent 2.4% inflation figure for March matched the lowest since 2021, experts predict a rise in April due to evolving tariff policies impacting the economy. Federal Reserve officials have expressed concerns about increasing inflation, with some forecasting rates surpassing 3% by 2025.

This outlook underscores the importance of earning strong returns on your savings. Fortunately, today's top high-yield savings accounts and certificates of deposit (CDs) offer historically high rates in the mid-4% range. While savings accounts provide flexibility, allocating some funds to CDs is advantageous as they guarantee fixed rates for the term.

Unlike savings and money market accounts, whose rates can fluctuate or decline with prolonged interest rate cuts, CDs lock in your rate for the entire duration.

Given the current federal funds rate of 4.25%–4.50%, and market expectations of potential rate cuts totaling a full percentage point or more by year-end, locking in a CD now ensures you retain today’s attractive yields despite future rate declines.

Should rates fall as expected, high-yield savings and CD returns could drop to around 3%, making today’s mid-4% rates highly valuable to secure now.

By opening a CD today, you guarantee earning one of the best current returns for months or years, regardless of tariff, inflation, or Federal Reserve changes.

Top CDs Offering Rate Guarantees Through 2026 to 2030

Our daily CD rate rankings highlight the highest national offers. Currently, the best yields are on shorter-term CDs, but you can extend your rate guarantee further by choosing CDs that mature in 2026, 2027, or as far out as 2029–2030. Check the tables below for the leading CDs in each maturity timeframe.

All Listed CDs Are Federally Insured

Every CD featured is available nationwide, including those from credit unions, and backed by federal insurance—either FDIC for banks or NCUA for credit unions—protecting deposits up to $250,000 in the unlikely event of institutional failure.

Leading CDs Maturing in 2026

Leading CDs Maturing in 2027

Leading CDs Maturing in 2028

Leading CDs Maturing in 2029–2030

Complete Rankings for All CD Terms

For detailed information on any listed CD, including early withdrawal penalties and institution details, visit our daily rankings:

• Top 3-Month CD Rates
• Top 6-Month CD Rates
• Top 1-Year CD Rates
• Top 18-Month CD Rates
• Top 2-Year CD Rates
• Top 3-Year CD Rates
• Top 4-Year CD Rates
• Top 5-Year CD Rates

Not Ready to Commit Long-Term? Consider These Alternatives

If locking away funds for a year or more isn’t feasible, you can still capitalize on today’s high rates with shorter-term CDs tailored to your needs:

• Best 3-Month CD Rates: Up to 4.50%
• Best 6-Month CD Rates: Up to 4.60%

Alternatively, for fully accessible funds without CD commitments, explore high-yield savings accounts offering up to 5.00% APY, with numerous options paying 4.40% or higher.

How We Identify the Best Savings and CD Rates

Every business day, Investopedia analyzes rate data from over 200 federally insured banks and credit unions nationwide to compile daily rankings of top-paying savings and CD accounts. To qualify, institutions must be FDIC or NCUA insured, and accounts require a maximum initial deposit of $25,000.

Banks must operate in at least 40 states. Credit unions with membership requiring donations over $40 are excluded. For full details on our selection criteria, see our methodology.

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