Rates Today: August 13, 2026 - Rates As High As 4.94%

For today, Aug. 13, 2026, certificate of deposit (CD) rates top out at 4.94% for a jumbo 6-month CD—an offer highlighted as the best available across the term list. The article notes that CD yields can be higher at online banks and that rates are expected to drift lower as the Federal Reserve cuts interest rates. By term, the highest rates range from 4.18% on 3-month CDs to 4.40% on 1-year CDs, with 2-year, 3-year and 5-year tops at 4.45%, 4.31% and 4.36%. Jumbo CDs typically require $100,000 to start.