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Home/Briefs/certificates of deposit

BriefApril 17, 2026 · 01:17 PM

Major Banks' CD Rates Peak at 4.00% as Terms Shift to 4-14 Months

CD accounts at the nation's largest banks are paying APYs up to 4.00% as of April 17, 2026. Terms available at these institutions currently range from four to 14 months. To lock in these rates, depositors commit a lump sum for a predetermined term. Those who withdraw funds before the term expires face early withdrawal penalties. These accounts are protected by FDIC insurance up to $250,000 per account holder per ownership category. For those using these vehicles as retirement savings, IRA CD contributions are capped at $7,000 for those under 50 and $8,000 for those 50 and older.

Milo Wilde

Certificates of DepositBankingSavings Rates

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