Best CD Rates of July 2026
Rates as of July 11, 2026.
A certificate of deposit locks your rate for a set term, which is ideal when rates are high and may fall. These are the strongest CDs right now, ranked on yield, term, and minimum. Tap a sortable heading to re-sort the table.
| # | Bank | APY ⇅ | Term | Min. deposit | Rating | |
|---|---|---|---|---|---|---|
| 1 | Bread Savings CDCompetitive term rate with a low minimum. | 3.90%APY | 12 months | $1,500 | 4.5out of 5 | Open account |
| 2 | Synchrony Bank CDNo minimum and a wide range of terms. | 3.80%APY | 12 months | $0 | 4.5out of 5 | Open account |
| 3 | CIT Bank Term CDCompetitive on 11 to 13 month terms. | 3.40%APY | 13 months | $1,000 | 4.3out of 5 | Open account |
| 4 | Marcus by Goldman Sachs CDReliable, with a 10-day rate guarantee. | 3.00%APY | 12 months | $500 | 4.6out of 5 | Open account |
| 5 | Discover CDNo fees and US-based support. | 3.60%APY | 12 months | $2,500 | 4.4out of 5 | Open account |
| 6 | Ally High Yield CDNo minimum and a great app. | 3.00%APY | 12 months | $0 | 4.7out of 5 | Open account |
How we picked these
We weighed the APY, the term length needed to earn it, the minimum deposit, and early-withdrawal terms. No paid relationship changes a rating or a ranking. Every figure is checked against the provider's own disclosures and stamped with the date above.
DollarFlourish is a personal finance publisher, not a bank, lender, or financial advisor. Rates and terms are set by each provider and can change. Confirm current terms on the provider's own site before you apply.
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