Best Short-Term CD Rates
Latest rate data:
About this comparison
Short-term includes CD terms up to 12 months, including nonstandard maturities. APYs must have valid observations from the past 14 days. Check the institution’s opening deposit, eligibility and early withdrawal terms.
| Details | |||
|---|---|---|---|
1 Year | 4.50% | ||
1 Year | 4.50% | ||
1 Year | 4.45% | ||
9 Month | 4.40% | ||
1 Year | 4.40% | ||
1 Year | 4.40% | ||
11 Month | 4.40% | ||
1 Year | 4.35% | ||
6 Month | 4.35% | ||
9 Month | 4.20% | ||
1 Year | 4.15% | ||
1 Year | 4.10% | ||
3 Month | 4.10% | ||
11 Month | 4.10% | ||
1 Year | 4.10% | ||
1 Year | 4.05% | ||
6 Month | 4.05% | ||
6 Month | 4.00% | ||
9 Month | 4.00% | ||
9 Month | 4.00% | ||
3 Month | 4.00% | ||
9 Month | 4.00% | ||
6 Month | 4.00% | ||
6 Month | 4.00% | ||
1 Year | 4.00% |
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CD rate FAQs
What are the best short-term CD rates today?
The highest CD APY in this comparison is 4.50% from Popular Direct for 1 Year, observed October 13, 2026.
How should I compare CD rates by term?
Compare CDs with similar maturities first. A 6 Month CD, a 1 Year CD, and a longer term CD solve different cash-timing problems, so the highest APY is only useful if the term matches when you need the money.
Are CD rates better than savings account rates?
CDs can pay more than savings accounts, but they lock money for a fixed term and may charge an early withdrawal penalty. Compare the APY against high-yield savings accounts, money market funds, and Treasuries before locking cash.