Highest CD Rates in April 2026

Consumer banks are now offering the highest CDs with annual percentage yields (APYs) of up to 4.1%, providing investors with attractive opportunities for savings and investments. The top performers in this category include institutions like Navy Federal Credit Union, which is offering a 4.15% APY on its 24-Month CD, while Alliant Credit Union’s 4.10% APY on its 24-Month CD takes the second spot. Citizens Bank is also offering a competitive rate of 4.05% APY on its 12-Month CD, while UFB Direct is providing a 4.03% APY on its 6-Month CD. These rates are subject to change and may not be available in all states or regions. It’s essential for investors to verify the terms and conditions before making any investment decisions.