Top CD rates today, Nov. 2, 2026: Lock in up to up to 5.05%

The Federal Reserve reduced its benchmark federal funds rate three times in 2025 and many banks cut their CD and savings interest rates in response. When the Fed met in September 2026 it opted for the first rate increase since since 2023, and some CD rates increased accordingly. If you’re trying to prepare for an uncertain economic outlook, opening an account now could be a smart move.

The highest rate on our current list comes from the 4-year and 5-year CDs fromMorgan Stanley.

Below, you’ll find a list of CDs with terms ranging from 1 month to 10 years, curated in partnership with financial…