The highest CD rate reported in a January 5, 2026, roundup was 4.1% APY, tied between LendingClub’s 8-month CD and Sallie Mae Bank’s 11-month CD. That is a dated report, not a comprehensive ranking of every U.S. CD or confirmation that either offer remains available today.
What were the top reported CD rates on January 5, 2026?
Yahoo Finance Personal Finance reported 4.1% APY as the highest CD rate in its January 5 roundup. The two offers it identified at that rate had different terms:
- LendingClub: 8-month CD, reported at 4.1% APY.
- Sallie Mae Bank: 11-month CD, reported at 4.1% APY.
Read the January 5, 2026, Yahoo Finance roundup. Its full table and account conditions could not be verified from the available page extract, so these should be understood as offers named by that roundup—not a complete market survey or independently confirmed bank disclosures.
How should you compare the two offers?
The APY alone does not establish which account would suit you. Before opening a CD, check the bank’s current disclosure and compare the details below. The January 5 roundup’s available information does not establish these terms for either offer.
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- Term and maturity: The reported terms were 8 and 11 months. Confirm the account’s exact maturity date and what happens when the term ends.
- Minimum deposit and eligibility: Verify the opening deposit required, who can open the account, and whether geographic restrictions apply.
- Early-withdrawal penalty: Find the penalty in the account agreement and consider whether you can leave the money untouched for the full term.
- Renewal and grace period: Check whether the CD renews automatically and how long you have after maturity to withdraw funds or change the term.
- Call or variable-rate features: Some market-linked and long-term CDs may allow the bank to close the account early. Review the agreement for any call provision or rate variability. FDIC guidance on choosing a CD explains this feature.
Does the January 2026 FDIC rate table show the January 5 average?
No. The FDIC’s January 2026 rates page was revised January 20, 2026—15 days after the date of this roundup. Its monthly national rates and rate caps are later context, not evidence of the national average on January 5. Check the FDIC national rates page and note the revision date before using its figures.
What withdrawal rules apply to time deposits?
Federal Reserve guidance defines time deposits as deposits with a maturity of at least seven days and specifies a minimum penalty rule for withdrawals made within six days of deposit. That is general regulatory context, not the complete penalty for either named CD; the account’s own disclosure controls the terms you should evaluate. See the Federal Reserve’s time-deposit guidance.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Are these still the best CD rates today?
This article records offers reported on January 5, 2026; it does not establish whether either offer is available in October 2026. CD rates can change, so check each bank’s current rate and account agreement before applying. The available exact-date information also does not establish the best 1-year CD rate or a trend in whether CD rates are going down.
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