As spring approaches, now's the perfect time to refresh your financial strategy with certificates of deposit offering guaranteed yields of up to 4.40% apy into 2026 But one rate lock guarantees 4.65% until january 2026. The yields on cds and savings accounts have already started to drift downward in many cases
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In line with the fed’s lead, analysts expect cd rates to fall further during late 2025.
Below we lay out 23 excellent cds to consider for locking in a rate until 2026, 2027, or much longer—with returns as high as 4.65%.
These are only predictions based on potential rate cuts by the fed. Lock in today's best rates in decades on certificates of deposits on a range of cd terms — from 6 months to 5 years.
