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Certificates of deposit (CDs) have seen rates rising, despite major banks lowering the rates on theri savings accounts.
As of June 3, 2026, the best 12-month CD rates reach up to 4.10% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.55%, according to the FDIC.
Over the last several weeks, rates have held basically steady.
Now might be the best time to lock in a guaranteed rate. If you’re looking to earn a predictable return over the next year, these are the best CD rates available today.
💰 Today's Best 12-Month CD Rates At a Glance
Here are the best bank and credit union savings accounts rates today:
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