Looking for Peace of Mind? Earn 4.60% on Your Cash, and Lock It In Until 2026 or Beyond

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Why Earning a Strong Return on Your Cash Is So Important Right Now

Whenever you have money stashed in the bank, it’s smart to make sure you’re earning a competitive return. But that’s especially important when inflation is running high, since an earnings rate below the inflation rate means your money will lose buying power over time.

Although the 2.4% March inflation reading released last week matched the lowest rate we’ve seen since 2021, many economists and financial experts expect the April rate to jump higher as President Trump’s evolving tariff policy impacts the economy. Among the wary are various Federal Reserve officials, who have commented that they are bracing for higher inflation—with one committee member predicting inflation will shoot “well above 3%” in 2025, in an interview with Yahoo Finance.

That increases the importance of earning a strong return on your savings. Fortunately, today’s best high-yield savings accounts and certificates of deposit (CDs) are all paying historically high rates in the mid-4% range. But while savings accounts offer the ultimate flexibility, there’s good reason to allocate some of your cash to a CD right now, rather than rely solely on savings and money market accounts.

That’s because a CD’s rate is yours to keep for the full duration of the certificate. In contrast, savings and money market rates can drop at any time—and can continue falling if U.S. interest rates are on a prolonged downswing.

That could certainly be the case over the rest of 2025. The federal funds rate currently sits at 4.25%–4.50%. That benchmark rate heavily influences the rates banks and credit unions are willing to pay for deposits. Though financial markets are dealing with a great deal of uncertainty now in the wake of brewing trade wars, interest rate traders are currently pricing in majority odds that we’ll see Fed rate cuts totalling a full percentage point—or even more—by the end of this year.

If that happens, the rate you’ll be able to earn with the best high-yield savings accounts and top-paying CDs is likely to drop to 3% territory vs. the mid-4% returns you can earn today.

So, by opening a CD now, you can guarantee you’ll earn one of today’s stellar returns for months or years into the future. And the longer you can commit, the longer you’ll enjoy that CD rate guarantee—no matter what happens with tariffs, inflation, or the Fed.

Today’s Best CDs With Rate Guarantees Until 2026 to 2030

Our daily ranking of the best CD rates always provides you with a list of the highest nationally available offers. Right now, the tip-top returns are available on shorter-term CDs. But to extend your guarantee further into the future, you can consider certificates that offer a rate promise into 2026, 2027, or even as long as 2029–2030. See our tables below for listings of the highest-paying CDs for each of these time horizons.

Top CDs That Will Mature in 2026