The Best CDs to Keep High Speed Locked Until 2026, 2027, or Longer

Key Takeaways

With the Fed expected to continue lowering interest rates this year and next, now is a smart time to open CDs and secure today’s high returns for the future.
Below we list 23 excellent CDs to consider for locking in a rate. 2026, 2027or for much longer – with returns of up to 4.65%. You can also secure a 5.05% rate that lasts until it runs out. Last days of 2025.
Unlike savings accounts, CD rates are guaranteed until maturity. The bank or credit union cannot reduce the APY on your existing CD.
best cds Although it has fallen from last fall’s 20-year high, it still offers historically high returns.
Can’t transfer your money until 2026? Our rankings may also direct you to: best high yield savings accounts and shorter-run CDs.

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Why Is Opening a CD So Smart Right Now?

thanks to of the Federal Reserve Historic interest rate increase campaign between 2022 and 2023, aiming to control post-pandemic inflation certificates of deposit (CDs) Last fall it reached a 20-year high of over 6%. However, now inflation has fallen and the Fed has moved into the interest rate reduction phase. As a result, CD rates are falling. highest rate in the country It recently dropped to 5.50%.

Unfortunately for savers, the Fed is expected to continue its interest rate cut in September. there are still one or two additional cuts this yearand possibly multiple reductions in 2025. As you can see from Fed members’ predictions in the chart below, the Fed may continue to cut interest rates until 2026.

This potentially long rate decline is why today’s top CDs, especially multi-year certifications, are such a smart move right now. By locking in one of today’s interest rates, your return on those funds will be protected from any moves the Fed makes in the next year or two, whether it’s one rate cut or ten.

It’s also in your favor that rates on top CDs across the country remain attractive. Although yields have softened somewhat since the peak, the best CDs are still paying the highest yields in history. Compare today’s rates below to those on a CD opening in early 2022.

Today’s Best CDs with Price Guaranteed Until 2026-2029

Ours Daily ranking of the best CD rates always provides you with a list of the highest available offers nationally. Currently, the highest returns are available on short-term CDs. But since interest rates are likely to enter a two- to three-year decline, it would be wise to lock in a two-year guaranteed interest rate today; or even longer if you’re confident you can live without access to cash.

Here are our summaries of today’s top odds that will have you covered: annual percentage return (APY) By 2026, 2027 and even 2028-2029. For more details on any of these CDs, click the link to our list of the best deals at the time.

You have an additional option to get you (almost) to the 2026 price guarantee. The top APY among 1-year CDs is actually offered for 14 months. We pay 5.05%This CD from Spectra Credit Union will lock in your rate until the end of December 2025 if you buy it soon.

Country’s Best Long-Term CDs – October 24, 2024

18 Months of Best CDs	APY	Period (Month)	Minimum
FedChoice Federal Credit Union	4.65%	15	$500
Apple Federal Credit Union	4.65%	18	$500
NASA Federal Credit Union	4.54%	15	$10,000
State Department Federal Credit Union	4.52%	15	$500

Best 2 Year CDs	APY	Period (Month)	Minimum
Live Credit Union	4.50%	23	$5
Bayer Heritage Federal Credit Union	4.50%	24	$100
America’s First National Bank	4.29%	24	$1000
Genisys Credit Union	4.27%	25	$500

Best 3 Year CDs	APY	Period (Month)	Minimum
EFCU Financial	4.25%	30	$500
Customer Bank	4.10%	36	$500
Heartland Credit Union	4.10%	36	$25,000
All in Credit Union	4.07%	36	$1000
Signature Federal Credit Union	4.05%	36	$500
Best 4 Year CDs	APY	Period (Month)	Minimum
NASA Federal Credit Union	4.09%	49	$10,000
All in Credit Union	4.02%	48	$1000
ABDAlliance Financial	4.00%	48	$500
Signature Federal Credit Union	4.00%	48	$500
SecurityPlus Federal Credit Union	4.00%	48	$1000
Top 5 Year CDs	APY	Period (Month)	Minimum
BMO Alto	4.00%	60	any amount
Sync Bank	4.00%	60	any amount
ABDAlliance Financial	4.00%	60	$500
Signature Federal Credit Union	4.00%	60	$500
SecurityPlus Federal Credit Union	4.00%	60	$1000

All CDs above and in our daily rankings are federally insured by the FDIC for banks and the NCUA for credit unions.

Whatever CD decision you make, don’t delay! Another Fed rate cut is possible on November 7, so time is of the essence. Any CD bids placed could evaporate overnight; Therefore, when you decide to open a CD, fix your guaranteed fee as soon as possible.

Can’t Commit to 2026? Here Are Your Next Best Options

If you can’t or don’t want to lock in any savings for 15 months or more, you can still take advantage of today’s historically high rates. One way is to put the money into a shorter-term CD, depending on your timeline:

As you can see, some of these CDs pay higher fees than you’ll find on long-term CDs. While this may make them short-term winners, you lose out when your short-term guarantee runs out.

Consider a high-yield savings account for money you need to keep fully accessible and can’t commit to a CD. Our daily ranking best savings account rates It reaches up to 5.50% APY, and more than a dozen additional offers pay 5.00% or more.

Savings account rates are variable, meaning they can change at any time. Currently, the top high-yield savings account rate is just below a 20-year high. But as more Fed rate cuts approach, savings account interest rates will fall.

How Do We Find the Best Savings and CD Rates?

Investopedia tracks rate data for more than 200 banks and credit unions offering CDs and savings accounts to customers nationwide each business day and determines daily rankings of the highest-paying accounts. To qualify for our listings, the institution must be federally insured (FDIC for banks, NCUA for credit unions) and the account’s minimum initial deposit must not exceed $25,000.

Banks must be present in at least 40 states. Although some credit unions require you to donate to a specific charity or association to become a member if you do not meet other eligibility criteria (for example, you do not live in a certain area or are not employed in a certain job), we exclude credit unions with a donation requirement of $40 or more. For more information about how we choose the best odds, Read our full methodology.