Best CD rates today, March 3, 2026: Lock in up to 4% APY today

Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short- term CDs (six to 12 months) generally offer rates around 4% APY. Deposit account rates are on the decline — but the good news is you can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. ...