Best 12-Month CD Rates for April 22, 2026: Up to 4.15%

2 weeks ago 16

Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns as rates fall. As of April 22, 2026, the best 12-month CD rates reach up to 4.15% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.53%, according to the FDIC.

Over the last several weeks, many banks and credit unions have been raising their 12-month CD rate.

Now might be the best time to lock in a guaranteed rate. If you’re looking to earn a predictable return over the next year, these are the best CD rates available today.