High-Yield CDs Still Available Despite Rate Lull

We found the top CD rates of February 2026 - some as high as 6% APY

Feb. 4, 2026 at 5:15am

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Despite a rate-cutting lull, there are still several high-yield CD options available to consumers in February 2026. We scoured the market to find the top CD rates, with some offering as much as 6% APY, though many have geographic or financial restrictions. For those looking for more accessible high-yield CDs, we also highlight several options with rates above 4% APY that are open to a wider range of customers nationwide.

Why it matters

With the Federal Reserve expected to potentially cut rates further in the second half of 2026, locking in a high CD rate now could provide more stable returns compared to savings or money market accounts. However, the tradeoff is reduced liquidity, so these CDs are best suited for money you don't need immediate access to.

The details

The top CD rates we found include a 6% APY 8-month special from Financial Partners Credit Union (available only to new members in select California counties), a 5.11% APY 1-year share certificate from Daniels-Sheridan Federal Credit Union (for Montana residents), and a 5% APY 5-month 'Take 5 Certificate' from California Coast Credit Union (for California residents). Other high-yield options range from 4% to 4.75% APY, but often have geographic or financial restrictions.

  • The Federal Reserve held rates steady in January 2026, but markets are predicting more rate cuts in the second half of the year.

The players

Chip Lupo

A writer and analyst at Wallethub who commented on the potential for CD rates to drift lower if the Fed cuts rates further.

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What they’re saying

“Unlike savings or money market accounts, CDs lock in a fixed rate for a set period, so your return doesn't change if rates fall, as long as you hold the CD to maturity. The tradeoff is reduced liquidity, since accessing your money early usually comes with a penalty.”

— Chip Lupo, Writer and Analyst, Wallethub

What’s next

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The takeaway

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