Best CD rates today, Tuesday, October 20, 2026: Lock in up to 5.15% APY
By RateBrain ·
Raymond James Bank's 5 Year CD leads at 5.15% APY.
The highest CD rate RateBrain tracks today is 5.15% APY, on Raymond James Bank's 5 Year CD.
Several shorter terms pay less than that top rate, but the data also shows longer terms do not always pay more. The 7 Year and 10 Year CDs listed below both pay 4.75% APY, below several shorter terms.
| Term | Top rate | Bank | Change in 7 days |
|---|---|---|---|
| 6 Month | 4.58% | State Bank of India | no change |
| 1 Year | 4.89% | State Bank of India | no change |
| 2 Year | 5.04% | State Bank of India | no change |
| 3 Year | 5.05% | Raymond James Bank | down 0.05 |
| 4 Year | 5.10% | Raymond James Bank | down 0.10 |
| 5 Year | 5.15% | Raymond James Bank | down 0.10 |
| 7 Year | 4.75% | KS StateBank | up 0.50 |
| 10 Year | 4.75% | First National Bank of America | up 0.10 |
Rates at Raymond James Bank eased over the past week across the 3, 4 and 5 Year terms, each down from where they stood seven days ago. KS StateBank's 7 Year CD moved the other way, up 0.50 over the same period, and the 10 Year top rate from First National Bank of America rose 0.10.
Putting $10,000 into the top 1 Year CD earns about $489 by maturity. The same deposit at the median 1 Year CD rate RateBrain tracks, 4.00% across 145 CDs, earns about $400.
Every rate above is the standard published APY for a $10,000 deposit, read from each bank's and credit union's own rate page. Compare every CD rate, work out what your deposit earns or see Treasury bill rates.
Raymond James Bank 5 Year CD rate history
Now 5.15% APY