Ranking · CD Accounts · 2026
Best CD Accounts in the U.S.
Ranked by the highest advertised APY. Ties are broken by the lowest minimum opening deposit.
None of the banks in our current lineup publish a qualifying product in this category yet. Check back as we add more banks and products.
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
No banks currently qualify for this category.
Related reading
A ranking is only as useful as the criteria behind it. These explain the ones we used.
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including compounding. It's the number to compare — not the interest rate alone.Guide · 3 min read
- HYSA vs. Traditional Savings: You Are Probably Losing Money Right NowA high-yield savings account is the same product as the savings account you already have — same insurance, same access, same $0 to open at most banks. The only difference is the rate, and the gap between the best and the worst in our own lineup is large enough to notice.Guide · 4 min read
- The Fed Cut Rates. What That Actually Does to Your Savings and Your MortgageThe Federal Reserve does not set the rate on your savings account or your mortgage. It sets one rate that banks charge each other overnight — and the path from there to your account is fast in one direction, slow in another, and barely connected in a third.Guide · 5 min read
Run the numbers
The ranking says which product pays or costs more. These say what the difference is worth on your own figures.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Inflation CalculatorSee how much your money will really be worth years from now, or what you'll need to match today's purchasing power.
- Emergency Fund CalculatorFind your emergency fund target and how long it takes to reach it.
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