Will CD rates drop soon?

CD rates are expected to decline if the Federal Reserve cuts interest rates in the second half of 2026, making now a good time to lock in high rates.

Which CD term offers the highest yield?

12-month CDs currently offer the highest yields, up to 4.10% APY.

Yes, CDs are insured by the FDIC up to $250,000 per depositor per bank.

Best CD Rates Today, June 29, 2026: Up to 4.10% APY

Today's best CD rates offer up to 4.10% APY, potentially the last chance to lock in high yields before expected rate cuts. We highlight top options for investors.

June 29, 2026

2 min read

Source: Yahoo Personal Finance

Key Numbers

max apy

4.10%

This may be your last opportunity to lock in today's high CD rates. On Monday, June 29, 2026, several banks are still offering annual percentage yields (APY) as high as 4.10% on certificates of deposit.

Offer Details

Banks are competing to attract savers with competitive offers, with top yields ranging from 3.50% to 4.10% depending on the term. For instance, Goldman Sachs (GS) through its Marcus platform offers up to 4.10% APY on 12-month CDs.

Context

This comes as markets anticipate a Federal Reserve rate cut in the second half of the year, which could lower yields on new CDs. Therefore, now is an opportune time to lock in higher rates for an extended period.

What This Means for Investors

For investors seeking safe, fixed-income options, CDs are attractive at current levels. However, one must weigh locking in high rates now against the possibility of further increases. It is advisable to compare offers and choose a term that matches liquidity needs.

Frequently Asked Questions

The best CD rates today reach up to 4.10% APY for 12-month CDs from banks like Goldman Sachs.

Found this useful? Share it

This article was rewritten in Wrqti's editorial style based on information from the original source above. Content is informational only — not investment advice.