Top CD rates Aug. 3, 2026: Lock in up to up to 4.45%
This article provides an overview of current high-yield certificate of deposit (CD) rates as of August 2026. It highlights that despite recent Federal Reserve rate cuts, investors can still secure competitive returns by shopping across various financial institutions.
Why it matters
Choosing the right CD can significantly impact personal savings growth, making it a critical financial decision for individuals looking to maximize interest earnings in a fluctuating rate environment.
The highest yielding certificates of deposit offer rates up to 4.45% APY (annual percentage yield) as of Aug. 3, 2026.
With the Federal Reserve having reduced its benchmark federal funds rate three times in 2025 and many banks cutting their CD and savings interest rates in response, investing in CDs now while rates are still relatively high could be a smart move. Right now, the CDs with the highest APY on our list are the 4-year and 5-year CDs from Morgan Stanley .
Below, you’ll find a list of CDs with terms ranging from 1 month to 10 years, curated in partnership with financial services data company Curinos to help you make the most informed decision possible for your situation.
Here are current CD rates as shown on the Curinos report:
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