MarketWatch

Despite rate cuts last year, many CDs are still paying 4% and up. Here’s why

CD Valet’s February analysis revealed that many competitive CD rates are holding strong at 4% and up, even amid volatile market conditions. While national averages are down, CD Valet also reports that ...
MarketWatch

‘Rates will continue to trend lower.’ Is it time to lock in a CD, with some still offering 4%-and-higher APYs?

For the first time since July 2025 — and following three consecutive rate cuts — the Federal Reserve left rates unchanged on Jan. 28, their first meeting of 2026. But more rate cuts could be coming.
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Could the 4% CD today feel like a win a year from now? 5 pros on where CD rates will go in early 2026 — and whether you should lock in now

MarketWatch Picks highlights items we think you’ll find useful; we are independent of the MarketWatch newsroom. We earn a commission from some links in our articles. Learn more Some pros say the Fed ...

The Fed Is Frozen—Yet CD Rates Have Been Quietly Climbing

Multiple 4%-plus CDs are available in every major term, giving you plenty of choices between short commitments of a few months and years-long rate locks.