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Best CD rates today, Monday, August 10, 2026: Lock in up to 4.35% APY

Today's CD rates remain well above the national average. The Federal Reserve cut its target interest rate three times in 2025 and has kept rates unchanged in 2026. That has influenced deposit account yields, creating an opportunity for savers to lock in relatively high rates with a certificate of deposit (CD). Unlike high-yield savings or money market accounts, where rates can shift at any time, a CD fixes the annual percentage yield (APY) for the full term, giving savers a guaranteed return even if the Fed later resumes cutting rates. Here is a look at the best CD rates available today and where the strongest offers can be found.

Best CD rates today, Monday, August 10, 2026

As of Monday, August 10, 2026, the highest CD rate is 4.35% APY. United Bank is offering that rate on its 18-month CD.

Below is a look at some of the best CD rates available today from verified partners.

National average CD rates

For savers considering a CD, the rates available now are among the most competitive in the market, especially compared with the national average, which remains much lower. Online banks and credit unions generally offer more attractive rates than traditional brick-and-mortar banks, largely because they avoid the overhead of maintaining physical branches and pass those savings to depositors.

Read more: What is a good CD rate?

According to the FDIC, the highest national average interest rate for CDs is 1.65% for a 1-year term. Even so, current average CD rates are among the highest in nearly two decades, largely because the Federal Reserve has kept interest rates elevated in its effort to fight inflation. The gap between the top offers and the national average underscores how much shopping around can matter: the leading 4.35% APY is nearly three times the FDIC's 1-year national average.

How to find the best CD rates

If you are considering opening a CD, it is important to choose one with a high APY and a term length that matches your financial goals. Here are some tips for finding the best CD rates and accounts for your needs:

Shop around: Compare CD rates from a range of financial institutions before choosing an account. It is easy to compare CD rates online.

Consider online banks: Online banks often have lower overhead costs, which can allow them to offer higher interest rates on CDs. In many cases, online banks have the most competitive rates available.

Check minimum deposit requirements: Higher CD rates may come with higher minimum deposit requirements, so make sure the amount you plan to deposit meets the threshold needed to receive the best rate.

Review account terms and conditions: In addition to the rate, review early withdrawal penalties and auto-renewal policies. Some CDs offer more flexibility, such as no-penalty CDs, which allow withdrawals before maturity without a fee. That flexibility can be valuable, since tying up funds in a CD means giving up immediate liquidity in exchange for the guaranteed rate.

CDs at FDIC-insured banks and NCUA-insured credit unions are protected up to $250,000 per depositor, per institution, per ownership category, making them a low-risk place to hold funds you do not need in the near term.

The best CD rates for August 2026: Earn up to 4.25% APY

We identified the best CD rates and accounts available today based on interest rates, fees, and more. See our top picks across 6-month, 1-year, 18-month, and 2-year terms.

Best 1-year CD rates for August 2026: Lock in up to 4.1% APY for the next 12 months

Compare today's best 1-year CD rates, see which banks offer the highest yields, and learn how to lock in a guaranteed return on your savings.

Best 18-month CD rates for August 2026: Earn up to 4.25% APY

18-month CDs offer a balance of solid returns and flexibility. Find out which banks and credit unions are offering the top 18-month CD rates.

CD rates are going up. Here's why — and how to find the best rates.

Are CD rates expected to go up at all this year? Here's what the experts think about where CD rates are headed in 2026.

Best 6-month CD rates for August 2026: Earn up to 4.15% APY

A 6-month CD allows savers to lock in a guaranteed rate without tying up money for an extended period. See which banks have the best 6-month CD rates today.

Best 2-year CD rates for August 2026: Lock in up to 4.25% through 2028

A 2-year CD allows savers to lock in a guaranteed rate on their savings for the next 24 months. See which banks have the best 2-year CD rates today.