March 2026's Best CD Rates

E*TRADE, part of Morgan Stanley Private Bank, offers one of the more competitive 1-year CD options available from a major national bank. Its 12-month CD currently features a 4.10% APY (as of 3/2026), which places it among the stronger rates available for a one-year term. Even better, the account has no minimum deposit requirement, making it accessible for savers who want to start with a smaller amount while still locking in a competitive yield.

With a CD from E*TRADE, your interest rate is fixed for the full term of the account. That means your earnings won’t fluctuate with short-term changes in interest rates or market conditions, making it a stable option for money you don’t plan to use for at least a year. CDs are designed to reward patience, so withdrawing funds before the maturity date may result in an early withdrawal penalty.

Capital One is among the nation’s largest banks in terms of consumer deposits, and it now offers one of the best 1-year CD accounts on the market. 

Capital One comes in with a 3.75% APY (as of 2/11/26), and no minimum deposit requirement, which is a great option for a customer beginning their savings journey. As your 1-year CD with Capital One continues to grow, you won’t have to worry about market risk, since CDs aren’t overly attached to short-term market volatility. 

The bank offers additional flexibility for customers with CD terms that range from six months at a 3.20% APY (as of 3/12/26) to five years at a 3.60% APY (as of 12/4/25). Capital One also features one of its highest rates on its 18-month CD, which offers customers a 3.60% APY (as of 2/11/26) with no minimum deposit requirement as well.

Limelight Bank offers one of the stronger 2-year CD options among online banks, thanks to its competitive rates and straightforward structure. The bank’s longer-term certificates include a 36-month CD earning about 3.80% APY (as of 03/2026), making it a solid option for customers willing to lock in their savings for multiple years. Limelight requires a $1,000 minimum deposit, which is relatively accessible compared with many CDs that require larger opening balances.

Limelight Bank focuses almost entirely on certificates of deposit, which allows it to offer competitive rates across several maturities. Customers can choose terms ranging from six months to three years. Limelight is an online-only division of Capital Community Bank, and deposits are FDIC-insured up to standard limits, giving customers added peace of mind while their savings earn interest. With competitive yields and a simple product lineup centered on CDs, Limelight Bank remains a compelling option for savers looking to lock in a reliable return over a two-year time horizon.

If you’re looking to save more, Marcus by Goldman Sachs is one of the best banks to move your money to. The core of its high-interest accounts includes a great CD and savings account combination.

More specifically, Marcus’ 2-year CD has an APY of 3.95%, while its online high-yield savings account boasts an APY of 3.65%. There is no minimum deposit for the savings account, and the CDs call for only a $500 opening deposit.

Where Marcus struggles compared to some of its major competitors is in its customer service. While the bank recently introduced a mobile banking app for Apple and Android devices, its customer support is only available 14 hours a day during the week and 10 hours a day on the weekends. This could make for a frustrating experience if you need help immediately.

Bread Financial has a premier two-year CD account that features an incredibly strong 3.75% APY. This is a great option not only because of the great rate, but also because Bread allows balances to compound daily.

If you’re looking to open a two-year CD with Bread, the main stipulation you’ll encounter is a $1,500 minimum opening deposit (which is standard for all their CD offerings). This may make the account inaccessible for some prospective account holders. However, in the grand scheme of things, many CDs have higher minimums than this.

Alliant Credit Union offers one of the stronger 3-year CD options available from a national credit union. Its 36-month share certificate currently earns about 3.60% APY (as of 03/2026), giving savers a competitive rate for locking in their funds over a longer term. The account requires a $1,000 minimum deposit, which is relatively accessible compared with many CDs that require several thousand dollars to open.

Alliant Credit Union also offers a variety of CD terms that allow customers to build a flexible savings strategy. Terms currently range from three months to five years, with rates depending on the term length. This range allows customers to create CD ladders or stagger maturities for more regular access to their funds.

Synchrony, an online- and mobile-only bank, offers one of the best three-year CD terms in the market in the form of a high APY and minimum deposit affordability. Synchrony’s three-year CD presents a great 3.60% APY to help get first-time savers on the right track. For example, an account holder with $5,000 in savings in their initial deposit with a 3.60% APY would be able to earn an additional $559.67 over 36 months.

Synchrony doesn't require a minimum deposit. The bank offers flexible options outside of those in need of a three-year CD. The bank has 16 different CD terms, one of which starts at three months with a 0.25% APY. Other terms range from six months at a 3.50% APY to five years with a 3.75% APY.

Ally’s bump-up certificate of deposit is an account that functions like a normal CD, only it allows the account holder to increase their APY during the account’s term should rates rise. So if you own an Ally Raise Your Rate CD, and the interest rate that’s offered for your account goes up, you can initiate a rate increase to take advantage of that benefit. Note that you can only use this option once during the term of your CD, so if rates start to rise, you’ll need to decide the best time to pull the trigger.

This CD comes in two term length variations: two-year and four-year. In both cases, the starting APY is 3.25%. There are no minimum initial deposits for either account, meaning you can take advantage of them regardless of how much you have to invest. There is also a 0.05% APY loyalty reward waiting for any Ally customers that renew their CD to another Ally CD upon maturation.

Once your account’s term matures, you’ll have a 10-day window to withdraw your money. Otherwise, it will be reinvested into the same CD again.