Rates Today, October 20, 2026: Highest APYs Range From 4.50% to 5.25%

As of October 20, 2026, the top annual percentage yields (APYs) on certificates of deposit (CDs) are concentrated in a narrow band, with rates ranging from 4.50% to 5.25%. The article notes that CDs typically deliver the highest yields among common savings options, but only when savers commit funds to a specific term. It emphasizes that the best offers right now are on short-term CDs, since holding money for longer periods is often required to secure higher returns. The piece also references Federal Deposit Insurance in its discussion of CD benefits.