Should you opt for a certificate of deposit this month?

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

The MarketWatch News Department was not involved in the creation of this content. SEATTLE, Feb. 6, 2026 /PRNewswire/ -- CD Valet is a digital marketplace that connects consumers with the best verified ...

Certificates of deposit (CDs) have become a popular safe haven for retirees. But with the Federal Reserve already cutting interest rates, today's CD yields may not last. Retirees who want to protect ...

SEATTLE, Feb. 6, 2026 /PRNewswire/ -- CD Valet is a digital marketplace that connects consumers with the best verified, high-yield CD rates nationwide, helping community financial institutions ...

Explore CD terms ranging from months to years and learn how to choose the best duration for maximizing your interest earnings and financial goals.

You can now earn 4.25% for 12 months, or choose the same rate for 3, 6, or 9 months instead. Daniel Grill / Getty Images A new CD launched today pays 4.25% for a 1-year term, beating yesterday’s ...

CD rates have steadily declined since the Fed's last rate cut in December -- its third in just five months. That means fewer banks are offering APYs above 4.00%, and some standout offers from January ...

*Rates and APYs are subject to change. All information provided here is accurate as of Jan. 30, 2026. Investing in the stock market can allow your money to grow, but also involves risk. Storing your ...

Australia's central bank raised its policy rate by 25 basis points to 3.85%. That marked the Reserve Bank of Australia's first rate hike since November 2023. Australia's central bank raised its policy ...