{"id":23190,"date":"2026-01-31T14:55:53","date_gmt":"2026-01-31T14:55:53","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23190"},"modified":"2026-01-31T14:55:54","modified_gmt":"2026-01-31T14:55:54","slug":"current-cd-rates-for-january-2026","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23190","title":{"rendered":"Current CD Rates For January 2026"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Morsa Images\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>Bankrate tracks the best certificate of deposit (CD) rates and recent interest rate trends for you. Here are the current national average annual percentage yields (APYs) as of Saturday, January 31, 2026, according to Bankrate\u2019s most recent survey:<\/p>\n<ul class=\"wp-block-list\">\n<li>1-year CD yield: 1.89 percent APY<\/li>\n<li>3-year CD yield: 1.63 percent APY<\/li>\n<li>5-year CD yield: 1.68 percent APY<\/li>\n<\/ul>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    What is a CD?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>A certificate of deposit is a time deposit account. When using one, your money accrues interest at a fixed yield for a set period, or term. CD terms typically range from as short as a few months to as long as five years, or even longer. If you withdraw your funds before the CD\u2019s term ends, you\u2019ll likely be charged an early withdrawal penalty, which is typically some or all of the interest you\u2019ve accrued.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How CD rates have changed\" data-outcome=\"\">How CD rates have changed<\/h2>\n<p>The national average rate for one-year and five-year CDs started to increase in February 2022, driven in part by rising Treasury yields and expectations of Federal Reserve rate increases. Since February 2023, the one-year CD average has been higher than the five-year CD average.<\/p>\n<h3>How the Federal Reserve impacts CD rates<\/h3>\n<p>At the end of 2025, the Federal Reserve cut the federal funds rate three times in a row, taking it from 4.25%-4.50% to where they\u2019re at now \u2014 3.50-3.75%. This is the lowest it has been since Sept. 2022. And while the Fed refrained from changing the benchmark rate during the January meeting, there are still several left in 2026.<\/p>\n<p>Because CD rates usually move in the same direction as Fed rates, CD rates are forecasted to dwindle through 2026 following the cuts in 2025 \u2014 though they should remain ahead of inflation. Top nationally available CD APYs remain at or above 4% in many terms, and inflation has recently been running near 3% year over year, keeping real returns positive for many savers.<\/p>\n<p>With the Fed easing and inflation still moderate, it can be worth comparing CDs across maturities to lock in rates that beat inflation while they last.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Lightbulb Icon<\/default:title><br \/>\n<default:path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><default:path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/default:svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        You can lock in a competitive yield with a CD. Savings accounts, on the other hand, usually have variable APYs. In an environment where CD rates might decrease in the future, a CD is an option to consider as long as you won\u2019t need the money during the term.  It\u2019s important to determine your time horizon for money that\u2019s being put into a CD, since CDs generally have an early withdrawal penalty.\n    <\/p>\n<\/div>\n<h2 data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Latest average CD APYs: 3-month trend\" data-outcome=\"\">Latest average CD APYs: 3-month trend<\/h2>\n<p>Bankrate monitors the national average rates on various CD terms, including:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle wrapped\">\n<thead>\n<tr>\n<th>Date<\/th>\n<th>1-year CD<\/th>\n<th>3-year CD<\/th>\n<th>5-year CD<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1\/26\/2026<\/td>\n<td>1.92%<\/td>\n<td>1.61%<\/td>\n<td>1.66%<\/td>\n<\/tr>\n<tr>\n<td>1\/19\/2026<\/td>\n<td>1.92%<\/td>\n<td>1.61%<\/td>\n<td>1.66%<\/td>\n<\/tr>\n<tr>\n<td>1\/12\/2026<\/td>\n<td>1.94%<\/td>\n<td>1.60%<\/td>\n<td>1.67%<\/td>\n<\/tr>\n<tr>\n<td>1\/5\/2026<\/td>\n<td>1.92%<\/td>\n<td>1.60%<\/td>\n<td>1.67%<\/td>\n<\/tr>\n<tr>\n<td>12\/29\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.60%<\/td>\n<td>1.66%<\/td>\n<\/tr>\n<tr>\n<td>12\/22\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.60%<\/td>\n<td>1.66%<\/td>\n<\/tr>\n<tr>\n<td>12\/15\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.65%<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<tr>\n<td>12\/8\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.64%<\/td>\n<td>1.68%<\/td>\n<\/tr>\n<tr>\n<td>12\/1\/2025<\/td>\n<td>1.92%<\/td>\n<td>1.65%<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<tr>\n<td>11\/24\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.65%<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<tr>\n<td>11\/17\/2025<\/td>\n<td>1.93%<\/td>\n<td>1.66%<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<tr>\n<td>11\/10\/2025<\/td>\n<td>1.95%<\/td>\n<td>1.67%<\/td>\n<td>1.70%<\/td>\n<\/tr>\n<tr>\n<td>11\/3\/2025<\/td>\n<td>1.96%<\/td>\n<td>1.67%<\/td>\n<td>1.70%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>How Bankrate calculates the national average<\/h3>\n<p>Bankrate has made enhancements to our national averages database on April 14, 2025, including ones that retroactively impact previous weeks\u2019 listings in our table. Previous enhancements were also made in January 2025. Up to 1,300 banks and credit unions are surveyed weekly to generate the national averages. Among these institutions are those that are broadly available and offer high yields, as well as some of the nation\u2019s largest banks.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate insight\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Bankrate\u2019s best CD rates can help you compare CD yields and find the right one for you.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Compare CD rates by term for January 2026\" data-outcome=\"\">Compare CD rates by term for January 2026<\/h2>\n<h3>Current 6-month CD rates<\/h3>\n<ul class=\"wp-block-list\">\n<li>Alliant \u2014 4.10% APY<\/li>\n<li>E*TRADE \u2014 4.05% APY<\/li>\n<li>Marcus by Goldman Sachs \u2014 4.05% APY<\/li>\n<li>LimelightBank \u2014 4.00% APY<\/li>\n<li>Bread Savings \u2014 4.00% APY<\/li>\n<\/ul>\n<p>See additional best 6-month CD rates.<\/p>\n<h3>Current 1-year CD rates<\/h3>\n<ul class=\"wp-block-list\">\n<li>E*TRADE \u2014 4.10% APY<\/li>\n<li>Marcus by Goldman Sachs \u2014 4.00% APY<\/li>\n<li>LimelightBank \u2014 4.00% APY<\/li>\n<li>Alliant \u2014 4.00% APY<\/li>\n<li>Popular Direct \u2014 4.00% APY<\/li>\n<\/ul>\n<p>See additional best 1-year CD rates.<\/p>\n<h3>Current 3-year CD rates<\/h3>\n<ul class=\"wp-block-list\">\n<li>Sallie Mae \u2014 3.95% APY<\/li>\n<li>Marcus by Goldman Sachs \u2014 3.90% APY<\/li>\n<li>TAB Bank \u2014 3.75% APY<\/li>\n<li>Colorado Federal Savings Bank \u2014 3.75% APY<\/li>\n<li>Bread Savings \u2014 3.70% APY<\/li>\n<\/ul>\n<p>See additional best 3-year CD rates.<\/p>\n<h3>Current 5-year CD rates<\/h3>\n<ul class=\"wp-block-list\">\n<li>Sallie Mae \u2014 4.00% APY<\/li>\n<li>Marcus by Goldman Sachs \u2014 3.90% APY<\/li>\n<li>TAB Bank \u2014 3.75% APY<\/li>\n<li>First National Bank of America \u2014 3.75% APY<\/li>\n<li>E*TRADE \u2014 3.70% APY<\/li>\n<\/ul>\n<p>See additional best 5-year CD rates.<\/p>\n<p class=\"text-sm text-slate\"><i>Note: Annual percentage yields (APYs) shown are as of Jan. 30, 2026. Bankrate\u2019s editorial team updates this information weekly. APYs may have changed since they were last updated and may vary by region for some products.<\/i><\/p>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Current CD rates FAQs\" data-outcome=\"\">Current CD rates FAQs<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-do-the-federal-reserves-decisions-affect-cd-rates', 'heading-how-do-the-federal-reserves-decisions-affect-cd-rates']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-do-the-federal-reserves-decisions-affect-cd-rates')\" :aria-controls=\"$id('panel-how-do-the-federal-reserves-decisions-affect-cd-rates')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How do the Federal Reserve\u2019s decisions affect CD rates?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-do-the-federal-reserves-decisions-affect-cd-rates')\" :aria-labelledby=\"$id('heading-how-do-the-federal-reserves-decisions-affect-cd-rates')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The Federal Reserve\u2019s decisions on interest rates can affect CD rates. Once the central bank makes a decision to change the rate, competitive banks will generally move CD yields in the same direction. Broader macroeconomic conditions also influence CD rates.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-are-cd-interest-rates-determined', 'heading-how-are-cd-interest-rates-determined']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-are-cd-interest-rates-determined')\" :aria-controls=\"$id('panel-how-are-cd-interest-rates-determined')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How are CD interest rates determined?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-are-cd-interest-rates-determined')\" :aria-labelledby=\"$id('heading-how-are-cd-interest-rates-determined')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            CD rates are determined by several factors. The decisions made by the Federal Reserve on the federal funds rate will likely influence CD rates.\u00a0Competition among banks and credit unions will also influence the payout on their CDs, as well as whether or not the financial institution needs deposits. In general, online banks tend to pay higher rates than banks with branches. Changes in Treasury yields and economic conditions also influence CD rates.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Learn more to maximize your earnings<\/h3>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"UdNppQZCPj\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" 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1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/cds\/current-cd-interest-rates\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Morsa Images\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate Bankrate tracks the best certificate of deposit (CD) rates and recent interest rate trends for you. Here are the current national average annual percentage yields (APYs) as of Saturday, January 31, 2026, according to Bankrate\u2019s most recent survey: 1-year CD yield: 1.89 percent APY 3-year CD yield:<\/p>\n","protected":false},"author":1,"featured_media":23191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23190","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Current CD Rates For January 2026 | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Morsa Images\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate Bankrate tracks the best certificate of deposit (CD) rates and recent interest rate\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=23190\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Current CD Rates For January 2026 | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"Morsa Images\/ Getty Images; 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