Reference 1-Year CD Rates
Reference figures labeled March 2026
March 2026 reference figures, not current offers or verified national averages. Sources for the retained rates, changes, and history have not been verified. Confirm current terms directly with providers.
| CD term or category | APY | Reference change (pp) |
|---|---|---|
| Online 1-year CD reference (unverified) | 4.98% | -0.03 pp |
| 1-year CD reference (unverified) | 4.80% | -0.03 pp |
| Credit union 1-year CDs | 4.73% | -0.02 pp |
| No-penalty 1-year alternatives | 4.36% | -0.01 pp |
Sources and data status
The retained March 2026 tables, changes and history are unverified. The primary-source guidance below does not authenticate those old figures.
Page wording reviewed on 2026-10-04. This editorial review date does not date or verify the retained figures.
Guidance only: Ally: an example of CD withdrawal terms · Source checked:
Ally's terms illustrate that an early-withdrawal penalty can reduce principal. This is one provider's example, not a universal CD rule; check your own account terms. It does not verify the retained APY figures.
Retained reference history (12 months)
The retained history has an unverified collection method, sample and original observation dates. It should not be treated as a validated market series.
| Month | APY |
|---|---|
| Apr 2025 | 5.28% |
| May 2025 | 5.20% |
| Jun 2025 | 5.12% |
| Jul 2025 | 5.05% |
| Aug 2025 | 4.99% |
| Sep 2025 | 4.94% |
| Oct 2025 | 4.90% |
| Nov 2025 | 4.87% |
| Dec 2025 | 4.84% |
| Jan 2026 | 4.82% |
| Feb 2026 | 4.81% |
| Mar 2026 | 4.80% |
Related rates
Reference CD Rates by Term
Compare CD terms using March 2026 reference APYs and retained history. Confirm current yields and early-withdrawal terms before choosing a CD.
Reference Money Market Rates
Explore money market account reference APYs labeled March 2026. Compare current access rules, minimum balances, and yields directly with providers.
Reference High-Yield Savings Rates
Compare high-yield savings account categories using March 2026 reference APYs. These retained figures are not current bank offers.
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Frequently asked questions
How to compare and source limitations
Geography: United States
Compare current CD APYs, terms, early-withdrawal penalties, and renewal conditions directly with providers. The original sources and collection methods for these retained reference figures have not been verified.