CD Rates: A False Sense of Security in a Shifting Landscape The Federal Reserve's decision to maintain interest rates has pushed CD rates to unprecedented highs.
As of August 31, 2026, Synchrony Bank and Marcus by Goldman Sachs are offering the best rates at 4. 30% APY. The current CD landscape is not representative of the national average.
The FDIC reports that the highest national average interest rate for CDs is a mere 1.