Certificate of Deposit Rates Reach 4% APY as Short-Term Offers Outpace Long-Term Options
The top nationally available certificate of deposit yield stands at 4% annual percentage yield (APY) as of February 8, 2026, with Marcus by Goldman Sachs offering that rate on a 12-month term. The figure represents the current peak for savers seeking to lock in a guaranteed return, and it underscores an unusual rate environment in which […]