CD Rates April 2026: Lock in Up to 4.05% APY Today

As of April 26, 2026, the highest CD rate available is 4.05% APY, offered by Marcus by Goldman Sachs for a 9-month CD. For a $1,000 deposit at a 1.52% APY, the balance would grow to $1,015.20 after one year, while a 4% APY on the same deposit would result in $1,040.74. If a depositor invests $10,000 in a 4% APY one-year CD, their balance at maturity would be $10,407.42, earning $407.42 in interest. Comparatively, traditional and jumbo CD rates show little difference in the current environment.