CD Rates Today: Highest 4% APY Offered by Goldman Sachs (GS)

The highest certificate of deposit (CD) rate available today is 4% APY, provided by Marcus by Goldman Sachs on a 9-month CD. In 2025, the Federal Reserve reduced its federal funds rate three times, but has left rates unchanged so far in 2026, raising concerns that this may be the last opportunity to secure competitive CD rates before potential future increases. For instance, a deposit of $1,000 in a one-year CD at 4% APY would yield a total of $1,040.74 at maturity, earning $40.74 in interest. Overall, CD rates vary widely across institutions, and diligent comparison is suggested for optimal earnings.