Best 12-Month CD Rates for May 27, 2026: Up to 4.05%

Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns. As of May 27, 2026, the best 12-month CD rates reach up to 4.05% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.55%, according to the FDIC. 

Over the last several weeks, rates have held basically steady.

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.

💰 Today's Best 12-Month CD Rates At a Glance

Here are the best bank and credit union savings accounts rates today: