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Best CD rates top out at 4.10% APY for a 14-month term

On July 15, 2026, the highest advertised CD rate cited is 4.10% APY for a Marcus by Goldman Sachs 14-month certificate.

Friday, July 17, 2026 · Written up by our desk · Fund Industry

Deposit account rates are declining, but some certificates of deposit still offer returns above 4%, according to Yahoo Finance.

For Wednesday, July 15, 2026, the outlet said the best short-term CDs, typically six to 12 months, generally pay about 4% to 4.5% APY, with the highest rate at 4.10% APY.

Yahoo Finance pointed to a 14-month CD from Marcus by Goldman Sachs as the top offer in its snapshot.

The story also traces CD rate swings to Federal Reserve policy, noting that rate cuts contributed to very low CD yields after 2008 and during the pandemic, while Fed hikes between March 2022 and July 2023 pushed CD APYs higher.

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