CD Rates Today: January 15, 2026 — Highest APY 4.94%.

Top advertised CD yields on January 15, 2026 reached 4.94% for a jumbo six‑month CD, while average APYs across common terms remain notably lower and continue to track Federal Reserve policy.

CD rates are reported as high as 4.94% for a jumbo six‑month certificate of deposit on January 15, 2026. The article explains that rates vary by term and commonly move with Federal Reserve policy decisions. It notes that online banks often offer rates around twice national averages. The Federal Open Market Committee reduced the federal funds rate during 2025 to a range of 3.50%–3.75% and is scheduled to meet on January 27–28, 2026. Key details: - The highest advertised APY on January 15, 2026 is 4.94% for a jumbo 6‑month CD. - Top rates by term reported include 4.84% for 1‑year, 4.25% for 2‑year, 4.04% for 3‑year, and 4.12% for 5‑year CDs. - Reported average APYs by term include: 3‑month 1.24%; 6‑month 1.75%; 1‑year 1.77%; 2‑year 1.59%; 3‑year 1.53%; 5‑year 1.56%. - Jumbo CDs typically require large minimum deposits and institutions differ in what they call a “jumbo” CD. - The article notes the federal funds rate was lowered three times in 2025 to 3.50%–3.75%, and the FOMC will meet on January 27–28, 2026. Summary: As of January 15, 2026, several advertised CD offers exceed 4% APY, with the top quoted yield at 4.94% for a jumbo six‑month product. Average APYs across standard terms are substantially lower than the top offers. The Federal Reserve's policy path remains the primary influence on short‑term rates, and the FOMC meeting on January 27–28, 2026 is the next scheduled event that could affect CD offers.