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APY APY stands for Annual Percentage Yield, which is the actual rate of return per year, including compound interest. The APY is typically the rate you'll see featured for the CD you're considering.

See current Valley Bank CD rates for early 2026, including current APYs, terms, pros and cons and how they compare with national averages, top online CDs.

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Bank OZK offers certificates of deposit (CDs) with a diverse selection of term lengths, but only two have rates high enough to catch your attention. Bank OZK’s CDs have a relatively low minimum ...