Best 10-Year CD Rates: March 2026 Update

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Savers with long-term goals may find great value in a 10-year CD.

As of March 20, 2026, the top 10-year CD rates are clustered around the mid to upper 3% APY range, depending on the bank and minimum deposit. These rates are well above the FDIC’s national average for long-term CDs, making comparison shopping especially important before committing your money to a decade.

Credit Human has the best 10-year CD rate available APY.

Today’s Best 10-Year CD Rates

Before you lock your funds in such a long-term commitment, make sure you read the fine print. Here’s a breakdown of the top 10-year CDs with the best rates.

Shreya Manav

• APY:
• Account Minimum: $500
• Penalty on early withdrawal: Either 36 months of interest or $50, whichever is greater

Credit Human offers 10-year certificates that are an accessible option for many savers. This is especially true since this credit union is relatively easy to join. Potential members can join the American Consumer Council by agreeing to complimentary membership. Additionally, members must maintain a minimum of $5 in a member savings account.

Pros

• Relatively low minimum initial deposit
• high interest rates
• Part of shared branch network

Shortcoming

• Heavy penalty for early withdrawal
• Need to meet membership requirements

Apple Federal Credit Union

• APY:
• Account Minimum: $500
• Penalty on early withdrawal: Maximum interest of 36 months

As a credit union, Apple Federal Credit Union is member-focused and offers a variety of customer service methods – customer support is available in branch, by video appointment or by phone.

If you qualify for membership this would be a solid option. The most common way to qualify is to live, work, worship, or attend school in qualifying areas of Northern Virginia. However, employees or members of other organizations may also apply for membership..

Pros

• Relatively low minimum initial deposit
• high interest rates

Shortcoming

• Heavy penalty for early withdrawal
• Need to meet membership requirements
• Small Branch Network in Virginia

Vio Bank

• APY:
• Account Minimum: $500
• Penalty on early withdrawal: 3% of the amount withdrawn, plus a $25 fee

The CD minimum balance requirement for Wyo Bank, the online division of MidFirst Bank, is $500. Therefore, savers at most levels can qualify and open an account. But the penalty for early withdrawal is higher. Before proceeding with this CD, make sure you will not have to make an early withdrawal.

Pros

• fair interest rate
• Relatively low minimum initial deposit
• no membership required

Shortcoming

• High early withdrawal penalty
• Lower interest rates than some others on the list
• No physical branch to open account

diaspora direct

• APY:
• Account Minimum: $1,000
• Penalty on early withdrawal: six months interest

Immigrant Bank has been in existence since 1850, and ImmigrantDirect is the online banking division of this long-standing bank. The bank requires a minimum account balance of $1,000, which may be a limiting factor for some savers. But the early withdrawal penalty of six months of interest is more affordable than some of the other options on this list.

Pros

• fair interest rate
• More affordable early withdrawal penalties

Shortcoming

• Lower interest rates than others on the list

take care

A 10-year CD is a big commitment. If you open a 10-year CD, you can:

• Lose access to your funds for an entire decade
• Risking hefty penalties for early withdrawal of those funds.

Keep that time commitment in mind when selecting the appropriate CD for your situation.

How much can you make with a 10-year CD right now?

A 10-year CD may make sense if you:

• Want maximum rate certainty
• No need to access funds for many years
• Prioritize FDIC- or NCUA-insured stability over market risk

However, the trade-off is flexibility. Early withdrawal penalties on 10-year CDs are often steep, so this option is best reserved for money you’re confident you won’t need in the near future.

You can calculate exactly how much your 10-year CD will pay before you sign up. For example, let’s say you plan to deposit money in a 10-year CD with an APY of 3.50% that reinvests its dividends. Here’s how much you’ll make when you deposit $1,000, $5,000 or $10,000:

Long Term CD Rate Movement Tracker

According to the latest national rate data from the FDIC, the average APY for long-term CDs remains well below 2%, even as top online banks and credit unions offer rates near or above 4% on extended terms. This wide difference underscores why shopping for a 10-year CD makes the most sense.

Trends in 4-year and 5-year CD rates can help provide context for 10-year CD rates. Longer duration CDs follow the same trend. Here’s an overview of how national long-term CD rates have changed recently.

Are 10-Year CDs Going Up or Down?

Generally, 10-year CD rates through 2025 have remained relatively stable. However, rate cuts by the Federal Reserve can cause changes to your finances as banks are affected by these adjustments and typically lower rates on CDs as a result.

If you look at historical CD rates, you can see that CD rates rose sharply in 2022 and 2023. During this time, the Fed raised interest rates to combat inflation..

Since then, the Fed has been working towards reducing inflation to 2% while maintaining maximum employment and stable prices. The Fed has cut rates a few times in 2024 and 2025, leading to a modest decline in CD rates overall, but over the longer term the Fed has kept rates on hold.

More rate cuts are expected in the future, but there is disagreement among Federal Reserve Board members on how soon the cuts should happen, according to the latest summary of economic projections released by the Fed.

If you look specifically at 10-year CD rates, you’ll find that the rates are lower than shorter-term certificates. When this happens, it is called an inverted yield curve, and it can be a bad sign for the economy. Banks are willing to offer higher rates on short-term certificates while waiting to see what will happen to the economy in the future.

Should you open a 10-year CD today?

A 10-year CD may be a good choice for your long-term savings goals. As a saver, you’ll know exactly how much you can earn in interest over the life of the CD. As long as you open a CD at an FDIC-insured bank or NCUA-insured credit union, your money is protected up to $250,000 per account holder if the financial institution fails.

However, when you commit to a 10-year CD, you may not have easy access to your funds for an entire decade. That’s a long time to leave your funds untouched. The interest rate market fluctuates over time. Over the course of 10 years, it’s possible that the interest rate you locked in for the long term is no longer attractive.

For more liquidity you can choose a high-yield savings account or a money market account.

Many savers choose to open both a CD and a more flexible account. If you choose to open a CD of any duration, take the time to purchase the CD that offers the best yield and lowest fees.

Sarah Sharkey, John Cszar and Don Olcott contributed reporting to this article.

Rates are subject to change; Unless otherwise noted, rates are updated periodically. All other information on the accounts is accurate as of March 20, 2026.

Editorial note: This content is not provided by any of the entities involved in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or otherwise endorsed by any entity named in this article.