Bankrate tracks the best certificate of deposit (CD) rates and recent interest rate trends for you. Here are the current national average annual percentage yields (APYs) as of Friday, April 24, 2026, according to Bankrate’s most recent survey: 1-year CD yield: 1.92 percent APY 3-year CD yield: 1.65 percent APY 5-year CD yield: 1.7 percent APY How CD rates have changed The national average rate for one-year and five-year CDs has remained fairly steady in the last few months, after gradually dwindling following a series of Federal Reserve rate cuts in late 2025.  And the same can be said of top CD rates. Some have moved down a bit. Others have moved up a bit. But overall, they’ve remained steady and above the rate of inflation.  You’ll likely find higher rates on shorter-term CDs than longer-term ones (which is not historically the norm. It’s what’s called an inverted yield curve ).…