CD Rates & Calculator 2026
Time deposits 1-60 months — national FRED 1.71% 12-mo vs best bank from-rates, with growth calculator.
CD Growth Calculator
Principal, term and APY — bank or manual, compounded.
FRED FDIC national rates · monthly
| Lender | 12-mo APY | 24-mo APY | 60-mo APY | Maturity on $10k (12-mo) |
|---|---|---|---|---|
| Marcus by Goldman Sachs ★ Best | 4.30% | 4.10% | 3.90% | — |
| Synchrony Bank ★ Best | 4.30% | 4.15% | 3.95% | — |
| CIT Bank ★ Best | 4.30% | 4.10% | 3.90% | — |
| Ally Bank | 4.25% | 4.05% | 3.85% | — |
| Capital One | 4.25% | 4.00% | 3.80% | — |
| American Express | 4.20% | 4.00% | 3.75% | — |
| Discover | 4.20% | 3.95% | 3.70% | — |
| SoFi | 4.20% | 4.00% | 3.80% | — |
| Barclays | 4.15% | 3.90% | 3.65% | — |
| PenFed CU | 3.90% | 3.70% | 3.50% | — |
| Navy Federal CU | 3.80% | 3.60% | 3.40% | — |
| Alliant CU | 3.70% | 3.50% | 3.30% | — |
| First Tech CU | 3.60% | 3.40% | 3.20% | — |
| LightStream | 2.50% | 2.40% | 2.30% | — |
| Upgrade | 2.40% | 2.30% | 2.20% | — |
| Best Egg | 2.30% | 2.20% | 2.10% | — |
| Wells Fargo | 2.10% | 2.00% | 1.90% | — |
| U.S. Bank | 2.00% | 1.90% | 1.80% | — |
| PNC Bank | 1.90% | 1.80% | 1.70% | — |
| Huntington Bank | 1.90% | 1.80% | 1.70% | — |
| Truist | 1.85% | 1.75% | 1.65% | — |
| Citizens Bank | 1.85% | 1.75% | 1.65% | — |
| Bank of America | 1.80% | 1.70% | 1.60% | — |
| Fifth Third Bank | 1.80% | 1.70% | 1.60% | — |
| Regions Bank | 1.75% | 1.65% | 1.55% | — |
| Citibank | 1.70% | 1.60% | 1.50% | — |
| M&T Bank | 1.70% | 1.60% | 1.50% | — |
| KeyBank | 1.65% | 1.55% | 1.45% | — |
| TD Bank | 1.60% | 1.50% | 1.40% | — |
| Chase | 1.50% | 1.40% | 1.30% | — |
Starting APY for excellent. Maturity auto-calculates for your principal at 12-mo APY.
What a CD is in 2026
A Certificate of Deposit locks your money for 1–60 months. National averages are 1.14% (3-mo), 1.41% (6-mo), 1.71% (12-mo), 1.57% (24-mo) and 1.36% (60-mo) via FDIC/FRED. Best banks pay 4.30% on 12-mo — more than double the national. All % here are live from FRED and 30 banks.
How to use the calculator
Enter Principal $10k, pick Term 12/24/60 and APY — Bank pulls the 12-mo best automatically (it switches to 24-mo/60-mo APY when you change Term), Manual lets you paste any APY like 1.71%. Choose compounding: monthly (APY already includes it, but we show exact). The table’s Maturity auto-updates for your Principal at each bank’s 12-mo APY.
Which term should you pick?
12-mo is flexible and currently pays more than 60-mo nationally (inverted curve). 60-mo locks longer but nationally 1.36% is a bit lower than 12-mo 1.71%. Check the 12 vs 24 vs 60 chart — left oldest, right 2026 — then ladder: split $10k into 12+24+60 to keep liquidity.
Fees & early withdrawal
Early withdrawal typically costs 3–6 months interest — model it: $10k at 4.30% for 12-mo earns ~$430; break at 6 mo and you lose half. No fee if you hold to maturity. No origination.
Sources: FRED FDIC National Rates (NDR series) and 30-bank file (updated 2026-09-10). Not financial advice. Disclaimer
Frequently asked questions
What data does this page show?
Compare CD rates from 30 banks for 12, 24 and 60 months vs FDIC national 1.71% 12-mo — growth calculator with compounding.
How current are the figures?
All figures reflect 2026 and update automatically from official sources.
Where do the numbers come from?
All figures are compiled from official U.S. government public data and refreshed automatically. LifeIndexData is 100% free to use and fully independent: we are not affiliated with, sponsored by, or compensated by any bank, lender or financial institution, and advertising never influences our data or rankings.
How do I cite this page?
LifeIndexData. "CD Rates & Calculator — 1 to 60 Month Time Deposits (2026)" (2026). https://lifeindexdata.com/usa/tools/deposits/
Is this financial advice?
No. All data is informational only — see our Disclaimer before making decisions.