US CD Rates Surge to 4.10% Amid Fed's Inflation Battle

The Federal Reserve's triple rate cuts in 2025 and policy stabilization in 2026 have elevated bank deposit yields. Marcus by Goldman Sachs leads with a 14-month CD offering 4.10% APY, significantly outpacing the 1.65% national average for 1-year CDs. Top-tier rates also emerge for 6-month (4.08% APY), 18-month (4.05% APY), and 2-year (4.10% APY) terms.

■Highest 14-month CD yield: 4.10% APY (Marcus by Goldman Sachs)

■National average 1-year CD yield: 1.65% APY

■Highest 6-month CD yield: 4.08% APY

■Highest 2-year CD yield: 4.10% APY

Online banks and credit unions, leveraging lower operational costs, continue to dominate competitive CD offerings. Investors must carefully assess minimum deposit thresholds, early withdrawal penalties, and auto-renewal terms to align with portfolio strategies.

Market Dynamics and Inflation Impact: The Fed's inflation-fighting measures directly shape risk-free instruments like CDs, creating a stability buffer against market volatility. With freight costs rising amid global supply chain pressures, maritime logistics cost structures indirectly influence fixed-income returns, offering strategic insights for macroeconomic positioning.