Top CD rates July 27, 2026: Lock in up to up to 4.45%
As of July 2026, certificates of deposit (CDs) are offering yields up to 4.45% following recent Federal Reserve rate adjustments. Financial experts suggest locking in these rates now as banks continue to lower interest rates.
Why it matters
This information helps consumers maximize their savings returns in a shifting interest rate environment.
The highest yielding certificates of deposit offer rates up to 4.45% APY (annual percentage yield) as of July 27, 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 annual percentage yield on our list are the 3-year, 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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