4.11% APY
14 months
N/A
$500
Langley Federal Credit Union stands out as the top choice because it offers a competitive 4.11% APY on its 14-month CD, making it an attractive option for new members looking to maximize their savings. The combination of a solid interest rate and the ability to compound dividends monthly enhances its appeal for savers.
Pros:
- High APY
- Dividends compounded monthly
Cons:
- Minimum deposit required
- Early withdrawal penalties apply
4.10% APY
14 months
N/A
$0
What sets Synchrony Bank apart is its no minimum deposit requirement, allowing customers to open a 14-month CD with any amount. This flexibility, combined with a competitive 4.10% APY, makes it a strong contender for those looking to grow their savings without a hefty initial investment.
Pros:
- No minimum deposit
- Daily interest compounding
Cons:
- Early withdrawal penalty of 180 days
- Rates subject to change
4.10% APY
11 months
N/A
$0
The standout feature here is Capital One's 11-month CD, which offers a fixed 4.10% APY with no minimum deposit required. This makes it an accessible option for savers who want to lock in a competitive rate without the pressure of a large initial investment.
Pros:
- No minimum deposit
- Automatic renewal
Cons:
- Early withdrawal penalty of 3 months
- Limited term options
4.20% APY
9 months
N/A
$2,500
Newtek Bank shines for its 9-month CD offering a competitive 4.20% APY, making it an excellent choice for those looking for a short-term investment with a high yield. However, the $2,500 minimum deposit may be a barrier for some savers.
Pros:
- High APY
- Short term option
Cons:
- Higher minimum deposit
- Early withdrawal penalties apply
4.00% APY
14 months
N/A
$0
American Express offers a 14-month CD with a competitive 4.00% APY, which is appealing for those looking to invest without a minimum deposit. This flexibility, along with the lack of monthly fees, makes it a solid choice for both new and seasoned savers.
Pros:
- No minimum deposit
- Competitive APY
Cons:
- Funding required within 60 days
- Early withdrawal penalties apply
Final Words
In summary, as of April 2026, the best CD rates in the U.S. can be found with providers like Langley Federal Credit Union, offering a competitive 4.11% APY on their 14-month CD, along with several other strong options from leading banks and credit unions. Be sure to compare these rates and terms to find the best fit for your savings goals.
Frequently Asked Questions
The best CD rate available in April 2026 is offered by Langley Federal Credit Union at 4.11% APY for a 14-month term.
The Langley FCU 14-month CD offers a 4.11% APY, requires a minimum deposit of $500, and has a maximum deposit cap of $25,000.
Synchrony Bank offers a competitive rate of 4.10% APY for a 14-month term with no minimum deposit required.
Capital One offers a 4.10% APY for an 11-month term with no minimum deposit required.
Early withdrawal penalties vary by provider but generally involve forfeiting a portion of the interest earned. It's important to check the specific terms with your CD provider.
Interest on most CDs is typically compounded monthly, but it's advisable to confirm this with your specific provider.
Yes, you can withdraw your money before the CD matures, but doing so may incur early withdrawal penalties.
When choosing a CD provider, consider the APY, term length, minimum deposit requirements, penalties for early withdrawal, and whether the rates are fixed or variable.
Compare CD Rates
Summary of all rates from our cd rate pages. Click column headers to sort.
| Provider ↕ | Rate ↓ | Term ↕ | Min Deposit | |
|---|---|---|---|---|
| Newtek Bank | 4.20% APY | 9 months | $2,500 | Learn more |
| Langley FCU | 4.11% APY | 14 months | $500 | Learn more |
| Limelight Bank | 4.10% APY | 1 year | $1,000 | Learn more |
| America First Federal Credit Union | 4.10% APY | 5 years | $500 | Learn more |
| SchoolsFirst Federal Credit Union | 4.10% APY | 5 years | $500 | Learn more |
| Synchrony Bank | 4.10% APY | 14 months | $0 | Learn more |
| Capital One | 4.10% APY | 11 months | $0 | Learn more |
| Marcus by Goldman Sachs | 4.05% APY | 6 months | $500 | Learn more |
| Popular Direct | 4.05% APY | 1 year | $10,000 | Learn more |
| Sallie Mae Bank | 4.00% APY | 5 years | $2,500 | Learn more |
| Bread Savings | 4.00% APY | 6 months | $1,500 | Learn more |
| Colorado Federal Savings Bank | 4.00% APY | 6 months | $5,000 | Learn more |
| American Express | 4.00% APY | 14 months | $0 | Learn more |
| TAB Bank | 3.90% APY | 1 year | $1,000 | Learn more |
| Bask Bank | 3.90% APY | 6 months | $1,000 | Learn more |
| NASA Federal Credit Union | 3.85% APY | 6 months | $1,000 | Learn more |
| BTG Pactual Bank | 3.80% APY | 5 years | $500 | Learn more |
| The Golden 1 Credit Union | 3.80% APY | 5 years | $500 | Learn more |
