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Top CD rates hover near 4.10% as Fed keeps rates higher
Marcus by Goldman Sachs is advertising a 9-month CD at the highest listed rate of 4.10% on Aug. 3, 2026, versus a 1-year national average of 1.65%.
Yahoo Finance highlights that CD rates remain well above the national average as the Federal Reserve cut its target rate three times in 2025 and left rates unchanged in 2026.
On Monday, Aug. 3, 2026, the highest rate shown is 4.10% APY for a 9-month CD offered by Marcus by Goldman Sachs, while the highest national average interest rate for CDs is 1.65% for a 1-year term.
The article attributes the elevated CD rates to the Fed's efforts to combat inflation by keeping interest rates high, and notes that online banks and credit unions often offer more competitive rates than traditional brick-and-mortar banks.
It also provides guidance for shoppers, including comparing APYs across institutions, checking minimum deposit requirements, and reviewing early withdrawal penalties and auto-renewal terms before opening a CD.