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-5bps this week

CD Rate Trends

See where CD yields sit today, how the lock-in window is changing, and when a CD ladder may make sense.

Best 12-month CD APY

4.15% APY

Benchmark average

3.45% APY

User opportunity

Small rate differences compound over time

Historical archive

CD Rates over time

-5bps this week
Apr 20Apr 22Apr 23Apr 28Apr 30May 5May 6May 7May 8May 10May 11May 14May 15May 17May 18May 19May 21May 22May 23May 24May 25May 27May 28May 29May 31Jun 1Jun 2Jun 3Jun 4Jun 5Jun 6Jun 7Jun 8Jun 9Jun 10Jun 11Jun 12Jun 13Jun 14Jun 16Jun 17Jun 18Jun 19Jun 21Jun 22Jun 23Jun 24Jun 25

Jun 23

4.21%

Jun 24

4.21%

Jun 25

4.21%

What changed

CD Rates moved down by 5 basis points this week.

Why it matters

Should I lock a CD before rates fall?

What to do next

Compare terms before committing to a lock-up period.

How we track this rateShow
SourceSwitchWize Rate Scout (Bankrate), updated daily
MethodBest 12-month CD APY sourced from SwitchWize Rate Scout daily scrape. Rate reflects the highest published APY across FDIC-insured institutions. Term length and minimum deposit conditions apply per issuer.

Verified existing coverage

Use what SwitchWize already has

6 links
GuideBest CD Rates: Top Yields for Rate CertaintyCompare the best CD rates 2026 has to offer. See live APYs, dollar-impact projections, and strategies to lock in guaranteed returns while the Fed path remains uncertain.GuideBest Treasury Accounts for Small Businesses: Where to Park Business Cash inCompare TreasuryDirect, business brokerage accounts, Treasury money market funds, fintech cash management accounts, and high-yield business savings for idle business cash.GuideSoFi vs Marcus: Which High-Yield Savings Account Wins for Your Situation?SoFi and Marcus compared on rate, features, safety, and savings tools — here's how to decide which high-yield savings account fits your situation.GuideBest Debit CardsWe ranked the best debit cards of 2026 by the job they do best: cash back, high-yield savings, fee-free overdraft, ATM reach, and teen accounts.CalculatorCD Ladder OptimizerDecide whether to build a CD ladder, keep cash liquid, or use a single CD — with after-tax income, weighted APY, and liquidity warnings.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

Related rate pages

All rates

Benchmark

10-Year Treasury

-6bps this week

4.15%

10-year Treasury yield

Follow the market yield that often influences mortgage pricing and long-term rate sentiment.

Product rate

Money Market

+5bps this week

4.10% APY

Best MMA APY

Track money market account yields for savers who want higher APY with more access than CDs.

Product rate

Savings Rates

No weekly change

4.40% APY

Best HYSA APY

Track top savings APYs, national averages, and the rate gap between traditional banks and high-yield accounts.

Benchmark

Fed Funds

No weekly change

3.63%

Fed funds midpoint

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.