Top CD rates Aug. 5, 2026: Lock in up to up to 4.50%
Fortune reports that certificates of deposit (CDs) are currently offering rates up to 4.50% APY as of August 2026. The article advises investors to lock in these rates following recent federal funds rate cuts by the Federal Reserve.
Why it matters
Understanding current interest rate trends helps individual investors maximize returns on savings in a fluctuating economic environment.
Top certificates of deposit are currently offering rates as high as 4.50% APY (annual percentage yield) as of Aug. 5, 2026.
The Federal Reserve lowered its benchmark federal funds rate three times in 2025, prompting many banks to reduce rates on CDs and savings accounts accordingly. This makes locking in a CD at today’s still-relatively-favorable rates a smart decision. The top-performing options in our current lineup are the 3-year, 4-year, and 5-year CDs from Popular Direct .
We’ve compiled a list of CDs with durations between 1 month and 10 years, working in partnership with financial data and analytics company Curinos, to help you identify the CD best suited to your circumstances.
Here are current CD rates as shown on the Curinos report:
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