Rates Today, October 21, 2026: Highest APYs Range From 4.50% to 5.25%

As of October 21, 2026, the top annual percentage yields (APYs) available on certificates of deposit (CDs) are currently ranging from 4.50% to 5.25%. The article notes that CDs are often among the strongest options for savers, but the highest APYs typically require committing funds for a fixed term with the financial institution. It adds that, right now, the best rates are concentrated in short-term CD offers. The piece also references Federal Deposit Insurance as part of the overall context for CD safety, while emphasizing the importance of matching the term to your plans.