Is your $10,000 earning enough right now? Here's how the returns on money market accounts and CDs compare in 2026.

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Today's highest CD rate is 4.94% for CD. CD rates from online banks are commonly twice as high as the national average rates.

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Top CDs today offer up to 4.27% APY, making now a smart time to lock in a solid return before rates move lower.

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Some money market funds yield over 3.5%, while certain certificates of deposit offer annual percentage yields of 4%.

Today's CDs are paying up to 4.27% APY. It's a good time to secure a strong return before yields decline further.