CD Rates Today: February 19, 2026 – Earn As Much As 4.94%

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.
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Could the 4% CD today feel like a win a year from now? 5 pros on where CD rates will go in early 2026 — and whether you should lock in now

MarketWatch Picks highlights items we think you’ll find useful; we are independent of the MarketWatch newsroom. We earn a commission from some links in our articles. Learn more Some pros say the Fed ...
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Some CDs are still offering 4% and up — but experts say ‘rates are likely to decline.’ So should you lock in now?

If you’ve been eyeing a CD, now may be the time to lock in, as many experts predict that CD rates are likely to dip in December and the coming months. “A third rate cut [from the Federal Reserve] this ...

CD Rates Today: February 16, 2026 – Rates As High As 4.94%

Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up all of your ...