US CD Rates Hold Steady Above 4% Despite Recent Fed Cuts

45 articles · Updated · MarketWatch · Apr 21

Top certificate of deposit (CD) rates in the US remain competitive, reaching up to 4.34% APY as of April 20-21, 2026.
Advancial Federal Credit Union offers the highest rate at 4.34% APY for a 5-year CD, while major banks provide up to 4.00%.
CD rates have declined since 2025 due to Federal Reserve rate cuts, prompting experts to suggest locking in rates before further decreases.

With Fed cuts looming, how quickly will high-yield savings accounts lose their edge over fixed-rate CDs?

Why do short-term CDs offer higher rates than long-term ones, and what does this signal for the economy?

In a falling rate environment, should you prioritize a CD's fixed return or a savings account's flexibility?

With inflation still above target, what is the true return savers are earning on today's top CD rates?

What economic shock could force the Fed to reverse course and raise interest rates again in 2026?

How will the ballooning national debt prevent long-term interest rates from falling, despite expected Fed cuts?