Top CD rates July 22, 2026: Lock in up to up to 4.45%
Fortune reports that certificates of deposit (CDs) are currently offering rates up to 4.45% APY as of July 2026. The article advises investors to lock in these rates following recent Federal Reserve interest rate cuts.
Why it matters
Provides actionable financial advice for consumers looking to maximize savings returns in a shifting interest rate environment.
Top certificates of deposit are currently offering rates as high as 4.45% APY (annual percentage yield) as of July 22, 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 Morgan Stanley .
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:
Get smarter about the news
Sign up free for a feed built around what you actually care about, Dive Deeper research on any story, and the full text of every article.
Create free accountAlready have an account? Sign in