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On Saturday, August 8, 2026, the highest available certificate of deposit (CD) rate is 4.15% APY, offered by Synchrony Bank on its 14-month CD. The Federal Reserve reduced interest rates three times in 2025 and has since maintained them; this may represent a limited opportunity to secure competitive CD rates. CD rates vary among financial institutions, so comparing options is recommended.
Investing $1,000 in a one-year CD with 4% APY would yield $40.74 in interest, compared to $15.20 with a 1.52% APY. Jumbo CDs require deposits of at least $100,000 and may offer higher rates.
Investing $1,000 in a one-year CD with 4% APY would yield $40.74 in interest, compared to $15.20 with a 1.52% APY. Jumbo CDs require deposits of at least $100,000 and may offer higher rates.