Top CD rates July 24, 2026: Lock in up to up to 4.45%
Fortune provides an overview of current high-yield certificates of deposit (CDs) as of July 2026, noting rates up to 4.45%. The article advises investors to lock in favorable rates following recent Federal Reserve interest rate reductions.
Why it matters
It offers actionable financial advice for consumers looking to maximize interest earnings in a fluctuating economic environment.
The top-performing certificates of deposit on the market offer rates up to 4.45% APY (annual percentage yield) as of July 24, 2026.
With the Federal Reserve having made three federal funds rate reductions in 2025 and some banks decreasing their CD and savings account APYs accordingly, securing a CD while rates are still relatively favorable is probably a wise thing to do. The most generous CDs on our current list are the 3-year, 4-year, and 5-year CDs issued by Morgan Stanley .
Below you’ll find a list of CDs ranging in term from 1 month through 10 years, created by Fortune in partnership with financial data company Curinos, to help you find the right investment for your particular needs.
Here are current CD rates as shown on the Curinos report:
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