Best 7 Year CD Rates in 2026
In 2026, the median 7 Year CD rate RateBrain tracked was 3.25% across 13 products. The highest was 4.75% APY from KS StateBank. That median was up from 2.75% in 2025.
Every 7 Year CD rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| KS StateBank | 4.75% | 4.75% |
| First National Bank of America | 4.60% | 4.60% |
| Navy Federal Credit Union | 3.85% | 3.85% |
| Apple Federal Credit Union | 3.75% | 3.75% |
| Discover Bank | 3.60% | 3.60% |
| PenFed Credit Union | 3.50% | 3.50% |
| Ridgewood Savings Bank | 3.25% | 3.25% |
| Vio Bank | 2.75% | 2.75% |
| Chase Bank | 2.00% | 2.00% |
| USAA | 1.25% | 1.25% |
| MidFirst Direct | 0.60% | 0.60% |
| OceanFirst Bank | 0.50% | 0.50% |
| Bank of America | 0.03% | 0.03% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.