BEST TIME DEPOSIT RATE TODAY: LOCKED UP TO 4.20% ASY

On 20 July 2026, the best term deposit (CD) rate today was 4.20% APY, with some concessions coming from advertisers, which may affect the products we recommend. The interest rate on term deposits today is still above the national average. The Federal Reserve lowered the target interest rate three times in 2025 and remained unchanged in 2026, which has a ripple effect on the interest rate on deposit accounts, making it now a good opportunity to lock high interest rates. The highest interest rate on term deposits is provided by the United Fund Bank and Sallie Mae Bank, which applies to their two-year CD。