Are there 4% CD Rates Today?
Currently, there are 4% rates, but visit The Annuity Expert to find the highest interest rates in the United States. We aim to get you the highest interest rates to grow your savings.
The following table displays the highest interest rates from 454 banks and credit unions. Sort by rate or filter by term.
Our Favorite Certificates Of Deposit
As of November 2026, we recommend any of the banks and credit unions at Raisin because most of the accounts on their platform only require $1 to open an account which allows you to spread your risk among several financial institutions rather than having all your eggs in one basket.
Scenario
You have funds—often from savings, CDs coming due, or retirement accounts like IRAs—and you’re considering locking in a 4% CD rate. You want safety and predictability. But you’re unsure whether that’s truly the best offer available in today’s market. You don’t want to miss out on better returns or tie your money up in something too inflexible.
Compare All the Options—Not Just CDs
Fixed Annuities (MYGAs) Offering 4%+ Rates
Key Stat: Many fixed annuities offer 4.5% to 6.0% depending on term and carrier.
These work just like CDs—guaranteed rate for a guaranteed term—but offer:
- Tax-deferred growth (no annual 1099s)
- IRA/401(k) rollover options
- Higher yields than CDs
- Access to income riders if future income is needed
✔ Better rates than most CDs
✔ Available to fund with qualified or non-qualified money
✔ Guaranteed principal and interest
✘ Early withdrawals before maturity may incur surrender charges
Who Needs It: Retirees, conservative savers, IRA owners, anyone rolling over maturing CDs
Who Doesn’t: Investors needing full liquidity before term ends
Helpful Add-on: Add a GLWB (Guaranteed Lifetime Withdrawal Benefit) for future retirement income
Brokered CDs From Top-Rated Banks
We compare FDIC-insured CDs from dozens of institutions across the country so you can:
- Secure the best 4%+ yields available
- Choose the exact term that fits your needs
- Avoid having to open multiple accounts yourself
✔ FDIC insurance up to $250,000 per bank
✔ Easy to ladder maturities
✘ Taxable annually (unless held in an IRA)
✘ Typically no liquidity during term
Who Needs It: Short-term savers, those avoiding market risk
Who Doesn’t: People needing tax deferral or better flexibility
Also Consider: Rolling into an annuity for higher yield and deferral
CD vs. Annuity Comparison
| Feature | 4% CD | Fixed Annuity (MYGA) |
|---|---|---|
| Safety | FDIC insured | Insurance-backed guarantee |
| Rate Term | Fixed | Fixed |
| Rate | Up to 4% | Often 4.5%–6.0% |
| Tax Treatment | Taxable annually | Tax-deferred |
| Early Withdrawal Penalty | Bank penalty | Surrender charge |
| IRA Eligible | Yes | Yes |
| Death Benefit | Account value | Account value (or more) |
What Types of Funds Can Be Used?
- Cash savings and maturing CDs
- IRA or 401(k) rollovers
- Trust, brokerage, or joint accounts
- Business funds or inherited accounts
We help you structure it all for the best return, minimal taxes, and full security.
Why Work With a Broker Like The Annuity Expert?
- We’re independent, not tied to one bank or insurance company.
- We compare CD rates and annuity options to help you pick what’s best.
- We work with hundreds of providers to find you the highest-paying, safest option available—not just the ones your bank offers.
- Our service is 100% free, with no obligation to buy.
Reasons to Compare CD Rates
- Interest Rates Fluctuate Daily: CD rates can change frequently, so comparing rates daily ensures you lock in the best possible return on your investment.
- Better Returns: Alternatives like MYGAs often provide higher interest rates than traditional CDs, helping you grow your savings faster.
- Liquidity Options: MYGAs may offer more flexibility, which is beneficial if you’re age 60 or saving for retirement and need more access to your funds.
- Maximize Savings: Shopping around helps you identify opportunities to increase your earnings, making it worth the time to check both CDs and MYGA options.
- Different Terms and Conditions: Banks, credit unions, and MYGAs each have unique features, so comparing them daily can reveal the most favorable terms for your financial goals.
No obligation. Shop online with our advisors and brokers for the best rates before you buy.
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