Best CD Rates Today, June 28, 2026: Lock in Up to 4.10% APY
Today's best CD rates are highlighted, with top APY reaching 4.10% from Goldman Sachs Bank USA (Marcus). Other banks like Ally, Discover, and Synchrony offer competitive rates.
Key Numbers
If you're searching for today's best CD rates, we've narrowed down some of the top offers. Here are the leading options.
Top CD Rates Today
| Institution | Term | APY | Minimum Deposit |
|---|---|---|---|
| Goldman Sachs Bank USA (Marcus) | 12 months | 4.10% | $500 |
| Ally Bank | 12 months | 4.00% | $0 |
| Discover Bank | 12 months | 3.90% | $2,500 |
| Synchrony Bank | 12 months | 3.85% | $0 |
Rates are subject to change and may vary by location.
What is a CD?
A certificate of deposit (CD) is a time deposit account where you lock in your money for a fixed period (e.g., 6 months, 1 year, 5 years) in exchange for a guaranteed interest rate. Longer terms typically offer higher rates.
Tips Before Opening a CD
- Compare rates across multiple banks.
- Check the minimum deposit requirement.
- Be aware of early withdrawal penalties.
- Choose a term that matches your cash flow needs.
What This Means for Investors
With interest rates still relatively high, CDs remain a safe option for investors seeking guaranteed returns without market risk. However, monitor Fed policy, as rates may decline if the central bank starts cutting.
Frequently Asked Questions
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