Edward Jones April 2026 CD rates: Yields up to 5.10%

Edward Jones updated its certificate of deposit rates for April 2026, posting new annual percentage yields on its platform and at local branches. The changes are effective April 2026.

The published table lists yields of 4.00% for three-month CDs, 4.25% for six months, 4.50% for one year, 4.75% for two years, 4.90% for three years, 5.00% for four years and 5.10% for five-year CDs.

All CDs offered through Edward Jones are issued by partner banks and, when issued by FDIC-member banks, carry federal deposit insurance up to applicable limits. The firm makes both bank-issued and brokered CDs available to clients.

Bank-issued CDs typically impose early withdrawal penalties and guarantee principal if held to maturity. Brokered CDs can be bought or sold on the secondary market before maturity, which avoids formal early-withdrawal penalties but exposes buyers to price changes and potential losses.

The firm’s rate sheet distinguishes product types and notes any call features, minimum deposits and other restrictions. Early withdrawal penalties vary by issuing bank, and selling a brokered CD before maturity can result in proceeds below the original purchase amount if interest rates have risen since purchase.

In a statement, Edward Jones noted, “Clients should review the maturity, protections and liquidity options before selecting a CD that fits their cash and income needs.” The firm said the updates reflect current market conditions.

Edward Jones recommends comparing CD yields with Treasury bills and notes, high-yield savings accounts and short-term bond funds. Treasury securities are backed by the U.S. government and trade in active secondary markets; high-yield savings accounts offer daily liquidity but rates can change at the bank's discretion; bond funds provide diversification but do not guarantee principal.

Financial advisers often recommend CD laddering, buying CDs with staggered maturities to balance longer-term yields and near-term liquidity. Interest earned on CDs is generally taxable at the federal level and may be taxable at state and local levels unless held in a tax-advantaged account such as an IRA.

Clients and prospective buyers should verify the date-stamped rate sheet at the time of purchase because published yields can change frequently and discuss income needs and time horizon with a financial adviser before investing in fixed-term products.