{"id":48266,"date":"2026-04-12T05:00:06","date_gmt":"2026-04-12T05:00:06","guid":{"rendered":"https:\/\/foreignnewstoday.com\/?p=48266"},"modified":"2026-04-12T05:00:06","modified_gmt":"2026-04-12T05:00:06","slug":"best-cd-rates-today-april-11-2026-best-account-provides-4-05-apy","status":"publish","type":"post","link":"https:\/\/foreignnewstoday.com\/?p=48266","title":{"rendered":"Best CD rates today, April 11, 2026 (best account provides 4.05% APY)"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2025, so now could be your last chance to lock in a <a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-cd-rates-201308688.html\" data-i13n=\"slk:competitive CD rate;cpos:1;pos:1\" data-ylk=\"slk:competitive CD rate;slk:competitive CD rate;cpos:1;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;1&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;competitive CD rate&quot;,&quot;yHasCommerce&quot;:false}\">competitive CD rate<\/a> before rates fall further. CD rates vary widely across financial institutions, so it\u2019s important to ensure you\u2019re getting the best rate possible when shopping around for a CD.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The following is a breakdown of CD rates today and where to find the best offers.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Generally, the best CD rates today are offered on shorter terms of around one year or less. Online banks and credit unions, in particular, offer the top CD rates.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Today, the highest CD rate is 4.05% APY. This rate is offered by <a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/review\/marcus-by-goldman-sachs-review-185632289.html\" data-i13n=\"cpos:2;pos:1\" data-ylk=\"slk:Marcus by Goldman Sachs;cpos:2;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;2&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Marcus by Goldman Sachs&quot;,&quot;yHasCommerce&quot;:false}\">Marcus by Goldman Sachs<\/a> on its 9-month CD.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Here is a look at some of the best CD rates available today:<!-- HTML_TAG_END --><\/p>\n<p> <iframe loading=\"lazy\" title=\"CDS Widget\" src=\"https:\/\/templates.cds.yahoo.com\/remote\/widget?campaignId=4ec2331a-fbb0-4230-81e2-d38f75a95135&amp;lineItemId=b7208155-7380-48c1-bb53-9755099a0699&amp;contentId=32503c77-3517-4007-b131-6faacba400f0&amp;viewId=2-DASXwIMnlXROcoEyomwA&amp;providerId=yahoo_personal_finance_397&amp;site=finance&amp;spaceId=1183300100&amp;commerceSiteId=us-finance-pnr&amp;url=https%3A%2F%2Ffinance.yahoo.com%2Fpersonal-finance%2Fbanking%2Farticle%2Fbest-cd-rates-today-saturday-april-11-2026-100000837.html\" scrolling=\"no\" height=\"480\" data-testid=\"iframe-with-resizer\" class=\"yf-16wd5dt\"><\/iframe> <\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The amount of interest you can earn from a CD depends on the <a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/what-is-apy-162151577.html\" data-i13n=\"slk:annual percentage rate;cpos:3;pos:1\" data-ylk=\"slk:annual percentage rate;slk:annual percentage rate;cpos:3;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;3&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;annual percentage rate&quot;,&quot;yHasCommerce&quot;:false}\">annual percentage rate<\/a> (APY). This is a measure of your total earnings after one year when considering the base interest rate and how often interest compounds (CD interest typically compounds daily or monthly).<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Say you invest $1,000 in a one-year CD with 1.52% APY, and interest compounds monthly. At the end of that year, your balance would grow to $1,015.20 \u2014 your initial $1,000 deposit, plus $15.20 in interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->Now let\u2019s say you choose a one-year CD that offers 4% APY instead. In this case, your balance would grow to $1,040.74 over the same period, which includes $40.74 in interest.<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->The more you deposit in a CD, the more you stand to earn. If we took our same example of a one-year CD at 4% APY, but deposit $10,000, your total balance when the CD matures would be $10,407.42, meaning you\u2019d earn $407.42 in interest. \u200b\u200b<!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><em>Read more: <\/em><a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/what-is-a-good-cd-rate-222737543.html\" data-i13n=\"slk:What is a good CD rate?;cpos:4;pos:1\" data-ylk=\"slk:What is a good CD rate?;slk:What is a good CD rate?;cpos:4;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;4&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;What is a good CD rate?&quot;,&quot;yHasCommerce&quot;:false}\"><em>What is a good CD rate?<\/em><\/a><!-- HTML_TAG_END --><\/p>\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START -->When choosing a CD, the interest rate is usually top of mind. However, the rate isn\u2019t the only factor you should consider. There are several types of CDs that offer different benefits, though you may need to accept a slightly lower interest rate in exchange for more flexibility. Here\u2019s a look at some of the common types of CDs you can consider beyond traditional CDs:<!-- HTML_TAG_END --><\/p>\n<ul class=\"yf-1p2hw41\">\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/bump-up-cd-203117360.html\" data-i13n=\"slk:Bump-up CD;cpos:5;pos:1\" data-ylk=\"slk:Bump-up CD;slk:Bump-up CD;cpos:5;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;5&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Bump-up CD&quot;,&quot;yHasCommerce&quot;:false}\"><strong>Bump-up CD<\/strong><\/a><strong>: <\/strong>This type of CD allows you to request a higher interest rate if your bank&#8217;s rates go up during the account\u2019s term. However, you\u2019re usually allowed to &#8220;bump up&#8221; your rate just once.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/no-penalty-cd-202614921.html\" data-i13n=\"slk:No-penalty CD;cpos:6;pos:1\" data-ylk=\"slk:No-penalty CD;slk:No-penalty CD;cpos:6;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;6&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;No-penalty CD&quot;,&quot;yHasCommerce&quot;:false}\"><strong>No-penalty CD<\/strong><\/a><strong>: <\/strong>Also known as a liquid CD, type of CD gives you the option to withdraw your funds before maturity without paying a penalty.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/jumbo-cd-191600563.html\" data-i13n=\"slk:Jumbo CD;cpos:7;pos:1\" data-ylk=\"slk:Jumbo CD;slk:Jumbo CD;cpos:7;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;7&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Jumbo CD&quot;,&quot;yHasCommerce&quot;:false}\"><strong>Jumbo CD<\/strong><\/a><strong>:<\/strong> These CDs require a higher minimum deposit (usually $100,000 or more), and often offer higher interest rate in return. In today\u2019s CD rate environment, however, the difference between traditional and jumbo CD rates may not be much.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<li class=\"yf-1p2hw41\">\n<p class=\"yf-1fy9kyt\"><!-- HTML_TAG_START --><a rel=\"\" class=\"link  yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/brokered-cd-210652049.html\" data-i13n=\"slk:Brokered CD;cpos:8;pos:1\" data-ylk=\"slk:Brokered CD;slk:Brokered CD;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-yga=\"{&quot;yLinkPosition&quot;:&quot;8&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yPosition&quot;:&quot;1&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Brokered CD&quot;,&quot;yHasCommerce&quot;:false}\"><strong>Brokered CD<\/strong><\/a><strong>: <\/strong>As the name suggests, these CDs are purchased through a brokerage rather than directly from a bank. Brokered CDs can sometimes offer higher rates or more flexible terms, but they also carry more risk and might not be FDIC-insured.<!-- HTML_TAG_END --><\/p>\n<\/li>\n<\/ul><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/finance.yahoo.com\/personal-finance\/banking\/article\/best-cd-rates-today-saturday-april-11-2026-100000837.html\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in&hellip;<\/p>\n","protected":false},"author":1,"featured_media":1049,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-48266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-finance"],"_links":{"self":[{"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/posts\/48266","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=48266"}],"version-history":[{"count":0,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/posts\/48266\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=\/wp\/v2\/media\/1049"}],"wp:attachment":[{"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48266"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=48266"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foreignnewstoday.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=48266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}