Top CD rates July 28, 2026: Lock in up to up to 4.45%
As of July 2026, top certificates of deposit (CDs) are offering interest rates up to 4.45% APY. Financial experts suggest that locking in these rates may be a prudent strategy following recent Federal Reserve interest rate cuts.
Why it matters
This information helps individual investors maximize returns on savings in a fluctuating interest rate environment.
The most competitive certificates of deposit currently offer rates reaching 4.45% APY (annual percentage yield) as of July 28, 2026.
Given that the Federal Reserve cut its benchmark federal funds rate three times in 2025 and numerous banks responded by reducing their CD and savings interest rates, locking in CDs at present rates—while they remain comparatively attractive—could prove a wise financial decision. At this time, the most generous rate comes from the 3-year, 4-year, and 5-year CDs issued by Morgan Stanley .
Below is a selection of CDs with terms spanning from 1 month to 10 years, assembled with the help of Curinos, a leading financial services data provider, to ensure you have the info you need to select the best CD option for your situation.
Here are current CD rates as shown on the Curinos report:
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