CD Rates Today: Highest Offers Up to 4.10% APY on June 28, 2026

On June 28, 2026, the highest certificate of deposit (CD) rate available is 4.10% APY from Marcus by Goldman Sachs on a 14-month CD. In contrast, a one-year CD with a 4% APY would increase a $10,000 deposit to $10,407.42, earning $407.42 in interest. Generally, longer-term CDs have historically offered higher interest rates, but current trends reflect competitive short-term options. It is crucial for savers to compare rates to optimize their earnings when considering CD investments.