10 Best CDs of 2026
- Earn %{apy_1_year} with Bread's CD
- Term: 9 months
- Min. deposit required: %{minimum_deposit_amount}
| Term | APY | Min. to earn APY | Componding Method | Insurance | |
|---|---|---|---|---|---|
| 1 year | 4.10% | $1500 | Compounded Daily | Member FDIC | Visit Site > |
Rates as of 2026-01-31
| Term | APY | Min. to earn APY | Componding Method | Insurance | |
|---|---|---|---|---|---|
| 1 year | 4.10% | $1500 | Compounded Daily | Member FDIC | Visit Site > |
- Earn %{apy_11_months} APY* with CIT's No-Penalty CD
- Term: 11 months
- Min. deposit required: $1,000
* APY as of %{rates_as_of}
*For a complete list of account details and fees, see our Personal Account disclosures
*Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum to open the account. With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.
| Term | APY | Min. to earn APY | Componding Method | Insurance | |
|---|---|---|---|---|---|
| 11 months | 3.50% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 1 year | 0.30% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 13 months | 2.10% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 2 years | 0.40% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 3 years | 0.40% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
| 4 years | 0.50% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
| 5 years | 0.50% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
Rates as of 2026-01-31
| Term | APY | Min. to earn APY | Componding Method | Insurance | |
|---|---|---|---|---|---|
| 11 months | 3.50% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 1 year | 0.30% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 13 months | 2.10% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 2 years | 0.40% | $1,000 | Compounded Daily | Member FDIC | Visit Site > |
| 3 years | 0.40% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
| 4 years | 0.50% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
| 5 years | 0.50% | $1000 | Compounded Daily | Member FDIC | Visit Site > |
Partner Disclaimers & Disclosures:
CIT Bank:
No-Penalty/11-MO CD:
2 Annual Percentage Yields (APYs) for all Term CDs are accurate as of January 9, 2026. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings.
3 Upon maturity, CDs are renewed for the same term automatically. The exception to this are the 13-Month CD and the 18-Month CD; upon maturity, the 13-Month CD will be automatically renewed as a 1-Year Term CD at the then-published APY, and the 18-Month CD will be automatically renewed as a 2-Year Term CD at the then-published APY.
1 APY —Annual Percentage Yield is accurate as of January 9, 2026. $1,000 minimum deposit is required to open the account. A penalty may be imposed for early withdrawal of principal, and any early withdrawal (principal or interest) will reduce earnings. Upon maturity, the 13-Month CD will be automatically renewed as a One Year Term CD at the then-published APY.
For complete list of account details and fees, see our Personal Account disclosures (link:https://cit-fcb-t.cit.com/cit-bank/resources/forms).
Synchrony Bank:
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
Gainbridge® FastBreak™ CDs:
¹ Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Current rate as of 09/15/2025 for a 5-10 year investment term. Rates subject to change.
Please visit Gainbridge.io for current rates, full product disclosures, and other important information. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.
*Withdrawals above the 10 percent free withdrawal amount are subject to a withdrawal charge and market value adjustment and if under age 59 ½ may be subject to an IRS early withdrawal tax penalty (FastBreak™ is not subject to this penalty). FastBreak™ annuities are issued by Gainbridge Life Insurance Company in Zionsville, Indiana.
FastBreak™ is not a tax-deferred annuity; instead you are taxed annually on earned interest.