Best CD rates today
CD rates stand at 4.39% in the latest published reading of September 15, 2026, according to U.S. Treasury via FRED. CD rates today benchmarked to Treasury yields of the same maturity, with the 3-month, 6-month and 1-year lines and the 12-month range for each.
1-year Treasury (CD 1-year proxy)
4.39%
U.S. Treasury via FRED, observation of September 15, 2026.
- One month ago
- 3.98%
- One year ago
- 3.64%
- 12-month high
- 4.39%
- 12-month low
- 3.40%
| Series | Now | Observed | 1 month ago | 1 year ago | 12-month change | 12-month range |
|---|---|---|---|---|---|---|
| 1-year Treasury (CD 1-year proxy) | 4.39% | 3.98% | 3.64% | +0.75 pts | 3.40% – 4.39% | |
| 6-month Treasury (CD 6-month proxy) | 4.17% | 3.95% | 3.81% | +0.36 pts | 3.56% – 4.18% | |
| 3-month Treasury (CD 3-month proxy) | 4.11% | 3.86% | 4.06% | +0.05 pts | 3.62% – 4.11% |
Sources: U.S. Treasury via FRED; U.S. Treasury via FRED; U.S. Treasury via FRED.
What moves CD rates
- Treasury yields at the matching maturity. A bank cannot pay much above the risk-free rate for the same lock-up and still make money on the deposit.
- How badly the bank needs deposits. Banks growing their loan book price above the market; banks with plenty of funding do not bother.
- The Fed path priced into markets. When cuts are expected, longer CD terms often price below shorter ones.
We publish what has been observed and who published it. We do not forecast where this rate goes next.
Deciding how much cash to lock away is a planning question
How much belongs in CDs versus invested depends on your timeline and tax position, not on the headline yield.
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Frequently asked questions
Are CD rates the same as Treasury yields?
No. Treasury yields are the benchmark shown here because they are published daily and free of marketing. A CD offer meaningfully below the same-maturity Treasury is a bank funding itself cheaply.
Should I ladder or pick one term?
A ladder spreads maturities so one rung comes due each period, which removes the need to call the rate cycle correctly. The linked calculator shows the blended yield.