USA · Rates from August 2026

How much do you earn with your CD?

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Rate type APY (Annual Percentage Yield) Best available 4.25% APY

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$1,000 $100,000
months
3 months 60 months
1% 6%
You will have
$10,410
$410 earned
Capital $10,000
Federal income tax Varies
Net $10,410
Total return
4.10%
Earnings per month
$34
Best rate available
4.25% APY

Calculated on the APY, which already includes compounding. Estimates only; actual rates and taxes may vary. CD interest is taxed as ordinary income at your marginal rate. There is no automatic withholding.

Where it pays off today

Best rates in USA, updated August 2026.

Popular Direct BEST RATE
Term:12 months Type:Online CD FDIC:Insured
4.25% APY More info
Bread Financial
Term:12 months Type:Online CD FDIC:Insured
4.25% APY More info
Marcus by Goldman Sachs
Term:12 months Minimum:USD 500 Type:High-Yield CD FDIC:Insured
3.90% APY More info
Ally Bank
Term:12 months Minimum:No minimum Type:High Yield CD FDIC:Insured
3.90% APY More info
Where this comes from: Reviewed manually against YieldFinder y NerdWallet (comparadores), tasas al 8 de agosto de 2026. Last check: August 2026. Rates change frequently — always confirm with the institution.