Current CD Rates for March 30, 2026 — Up To 5.11% APY
Written by
Rudri Bhatt Patel, CFHC™
Edited by
Joe Evans, CFHC™
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Have extra cash you do not need right away? Current CD rates are still attractive, with today’s best verified offer reaching 5.11% APY on a 12-month CD from Daniels-Sheridan Federal Credit Union. That account requires just a $500 minimum deposit, which keeps it accessible compared with many other top-yield CDs.
Because CDs at eligible banks and credit unions are federally insured, they remain one of the safest ways to lock in a fixed return. In the current market, short-term CDs continue to lead, with 6-month and 12-month offers generally outpacing many longer maturities.
Current CD Rates for March 30, 2026
See how today’s top CD rates stack up across different terms.
| Term | Institution | APY | Minimum Deposit |
|---|---|---|---|
| 3 months | Northern Bank Direct | 4.00% | $500 |
| 6 months | Daniels-Sheridan Federal Credit Union | 4.33% | $500 |
| 12 months | Daniels-Sheridan Federal Credit Union | 5.11% | $500 |
| 2 years | Mountain America Credit Union | 4.20% | $500 |
| 5 years | United Fidelity Bank | 4.15% | $1,000 |
Editor’s Pick of the Day
- Term: 12-month CD
- APY: 5.11%
- Minimum deposit: $500
- Where to open: Daniels-Sheridan Federal Credit Union
- Why we like it: It is still the strongest verified yield in this lineup and combines a standout APY with a relatively low opening deposit.
Why CD Rates Change
Banks adjust CD rates based on several factors, including Federal Reserve policy, competition for deposits and their own funding needs. When the Fed raises or lowers short-term rates, CD yields often move in the same direction, though not always by the same amount or on the same schedule.
That dynamic is still shaping the market now. After rate cuts in 2025, CD yields have largely stabilized in early 2026, but banks are still rewarding shorter-term deposits more aggressively than longer terms.
National Average CD Rates and Trends
Curious how CD rates have moved over time? Here’s a look at recent national averages and how they’ve shifted with the Fed’s rate changes.
- Average CD rates rose sharply from mid-2022 through early 2024 as the Fed increased interest rates to fight inflation.
- After three rate cuts in 2025, CD rates have started to level off and slightly decline.
- Short-term CDs saw the biggest changes, while long-term rates have remained more stable.
CD Rate Outlook for 2026
The broad outlook for 2026 is that CD rates are no longer rising, but they are still relatively attractive by recent historical standards. WSJ reports that after three cuts in 2025, the Fed has held rates steady in early 2026, which has helped keep top CD yields from falling too quickly.
The best offers remain concentrated in shorter maturities. That means savers who want to lock in a strong yield without tying up cash for too long may still find 6-month and 12-month CDs especially appealing.
What To Consider Before Opening a CD
Before locking in a rate, consider these key factors:
- Early withdrawal penalties: Check how much interest you’d lose if you withdraw funds before maturity and whether the CD is non-callable.
- Your timeline: Pick a CD term that matches your time horizon and when you’ll need access to your money.
- APY and compounding: Confirm the APY and how often the interest compounds on your CD.
- Insurance coverage: Make sure your CD is covered by the FDIC or NCUA and confirm the insurance limits.
- Auto-renewal details: Note when your CD renews so you can withdraw or reinvest before it rolls over automatically.
Pro Tip: Try CD Laddering
If you want steady returns without locking up all your cash, consider a CD ladder. This strategy lets you:
- Split your money across multiple CDs with staggered maturity dates.
- Earn higher rates on longer terms while keeping some cash accessible sooner.
- Reinvest each rung as it matures to take advantage of the best available APYs.
Final Takeaway
If you want a safe place to earn a fixed return, CDs are still worth a look today. The strongest verified rate in this refresh is 5.11% APY, and several other solid options are still paying 4.00% APY or more, depending on term.
For March 30, 2026, the clearest takeaway is that shorter-term CDs remain the sweet spot. Savers who compare offers instead of settling for national averages can still find returns that are multiple times higher than typical market benchmarks.
Current CD Rates FAQ
- What is a good CD rate right now?
- A good CD rate right now is generally anything in the 4.00% to 5.11% APY range, depending on the term and institution. The top verified rate in this refresh is 5.11% APY on a 12-month CD from Daniels-Sheridan Federal Credit Union.
- Are current CD rates going up or down?
- Current CD rates are mostly leveling off or edging lower in 2026 after the Federal Reserve cut rates three times in 2025, though short-term CDs are still offering some of the strongest yields.
- How often do CD rates change?
- There is no fixed schedule. CD rates can change at any time, but they often move around Federal Reserve meetings or when banks adjust pricing to attract deposits.
- Are CDs worth it in 2026?
- Yes. CDs are still worth considering in 2026 if you want a fixed return, federal insurance protection and a low-risk way to earn more than a traditional savings account.
Compare CD Rates
- Best 3-Month CD Rates
- Best 6-Month CD Rates
- Best 1-Year CD Rates
- Best 5-Year CD Rates
- Best No-Penalty CD Rates
- Best Jumbo CD Rates
- Best No-Penalty CD Rates
- Best CDs With No Minimum Deposit Requirement
- Best CD Accounts
Daria Uhlig contributed to the reporting for this article.
Methodology: GOBankingRates analyzes deposit rates from banks and credit unions with nationwide availability. The best rates are identified from this group by focusing on APY. Institutions listed in the daily chart are insured by the Federal Deposit Insurance Corporation or the National Credit Union Share Insurance Fund.
Financial institutions may require certain eligibility criteria — such as membership, existing accounts or location-based restrictions — to open an account or qualify for the listed rates. Always verify account terms, conditions and regional availability with the institution before applying.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of March 30, 2026.
