CD top rate now 4.15%
If you’re parking cash short term, the best one‑day snapshot of CD offers shows a top rate of 4.15% APY as of March 21 — useful if you want a low‑volatility yield alternative while crypto markets wobble (finance.yahoo.com).
Northern Bank Direct’s published rate table shows its 3‑month and 6‑month promo share certificates paying 4.15% APY with a $500 minimum to open. (northernbankdirect.com) Bread Savings lists a 9‑month certificate at 4.15% APY and a $1,500 minimum deposit requirement on its CD product page. (breadfinancial.com) The FDIC’s March 16, 2026 report puts the national average 12‑month CD APY at 1.52%, meaning the top advertised short‑term offers exceed the 12‑month national average by about 263 basis points. (fdic.gov) The Federal Reserve kept the target federal funds rate at a 3.50%–3.75% range at its March 17–18, 2026 meeting, a policy backdrop that has helped keep short‑term deposit yields elevated relative to longer averages. (federalreserve.gov) Rate trackers show some variation at the top of the market: Bankrate’s snapshot lists a top CD at 4.20% from Mountain America, while several outlets flagged promotional offers as high as 4.30% from Newtek Bank earlier in March. (bankrate.com) Minimum opening deposits and term lengths differ across those top offers — Northern Bank Direct ($500 min), Bread Savings ($1,500 min), and Newtek Bank (site lists a $2,500 minimum) — so advertised APYs are conditional on those product terms. (northernbankdirect.com)
