This map shows the highest CD rates in every state

In a falling interest rate environment, it’s more important than ever to ensure your savings are earning a solid return. Putting your money in a certificate of deposit (CD) is one smart way to lock in today’s elevated rates before they’re gone.

In fact, many banks and credit unions are offering CD rates of 4% APY and higher. And the best rates may be found at your local bank or credit union.

Use the following map to see the highest CD rate available in each state. You can toggle between banks and credit unions to find a financial institution that fits your needs.