Rates Today, August 5, 2026: Highest APYs Range From 4.14% to 4.55%

As of August 5, 2026, the top annual percentage yields (APYs) reported for certificates of deposit (CDs) range from 4.14% to 4.55%. The article notes that CDs can deliver some of the best savings returns, but the highest APY requires agreeing to keep funds at the bank for a specified period. It highlights that, currently, the strongest rates are available on short-term CDs rather than longer maturities. The discussion also points to Federal Deposit Insurance coverage as a factor for depositors, emphasizing the role of institution and term selection in maximizing returns.