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● LIVE Updated 1h ago · 16 sources tracked

This CD is offering 9%, and another 7.5%

Certificates of deposit with high annual percentage yields are attracting attention, with rates up to 9% and 7.5% being offered. This comes amid a backdrop of varying interest rates across institutions and account terms. The discrepancies in rates suggest that savers can significantly impact their earnings based on their choices. Some sources indicate more modest rates, ranging from 4.14% to 4.55%, while others report higher rates.

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What changed

Additional sources have corroborated the existence of high-yield CDs, but no significant changes in reported rates have been noted.

Live updates

  1. High-yield CDs offer up to 9% APY, sparking saver interest

    Certificates of deposit with high annual percentage yields are attracting attention, with rates up to 9% and 7.5% being offered. This comes amid a backdrop of varying interest rates across institutions and account terms. The discrepancies in rates suggest that savers can significantly impact their earnings based on their choices. Some sources indicate more modest rates, ranging from 4.14% to 4.55%, while others report higher rates.

    Why it matters

    The interest rates offered by certificates of deposit have a direct impact on savers' potential earnings. The wide range in rates is attributed to differences in institutions and account terms. This variation allows savers to shop around for the best deals, potentially increasing their returns. The current rates are being reported by multiple sources, including MarketWatch, Money.com, the Wall Street Journal, and Yahoo Finance.

    What is confirmed

    • Some certificates of deposit are offering annual percentage yields as high as 9% in August 2026.
    • Other top-tier rates for the month are more modest, with the Wall Street Journal reporting a range between 4.14% and 4.55% as of August 3.
    • Yahoo Finance noted a 4.15% APY available on August 4.

    What to watch next

    • Changes in interest rates over time
    • Introduction of new high-yield CD products
    • Economic indicators influencing interest rates
    Sources used for this update (5)
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    confidence 100%

  2. CD Rates Hit 9% APY in August 2026 Amid Varying Market Offers

    Some certificates of deposit are offering annual percentage yields as high as 9% in August 2026, according to MarketWatch and Money.com. Other top-tier rates for the month are more modest, with the Wall Street Journal reporting a range between 4.14% and 4.55% as of August 3. Yahoo Finance noted a 4.15% APY available on August 4. These discrepancies suggest a wide gap in potential earnings depending on the institution and specific account terms chosen by savers.

    Why it matters

    CD rates have fluctuated throughout the summer of 2026, moving from 4.10% in early July to peaks above 4.45% by early August. This volatility affects how much interest savers earn on typical deposits ranging from $10,000 to $50,000. The current environment presents a significant difference in potential returns based on the provider.

    What is confirmed

    • The highest CD rates reached 9% APY in August 2026.
    • The Wall Street Journal reported highest APYs ranging from 4.14% to 4.55% on August 3, 2026.
    • Yahoo Finance reported a 4.15% APY available on August 4, 2026.

    Still unconfirmed

    • Fortune reported top CD rates up to 4.45% on August 3, 2026.

    What to watch next

    • Federal Reserve policy updates affecting interest rate trends
    • New APY disclosures from major banks like Chase and Bank of America for late August
    Sources used for this update (22)
    1. marketwatch.com — This CD is offering 9%, and another 7.5% — plus 8 more of the best CD APYs of August 2026
    2. CBS News — How much interest will a $25,000 2-year CD earn if opened this August?
    3. marketwatch.com — ‘A huge difference in potential earnings.’ Where CD rates are headed in August — and how to tap in to the 4%-and-up rates
    4. WSJ — Today’s CD Rates for August 3, 2026: Highest APYs Range From 4.14% to 4.55%
    5. po-news-eg.net — Best CD Rates Hit 4.10% APY on July 18, 2026: What Savers Need to Know - Next Quarter Guidance
    6. money.com — Today's Highest CD Rates Are Up to 9% APY. Here's Where to Get Them
    7. Yahoo Finance — Best CD rates today, Friday, July 31, 2026: Up to 4.15% APY return
    8. dars.gov.et — Certificate of Deposit Rates Reach 4.2% APY as of July 13, 2026 - EPS Guidance Update
    9. CBS News — Here's how much interest a $10,000 2-year CD account will earn if opened this August
    10. Fortune — Top CD rates from major banks on August 3, 2026: Chase CDs, Bank of America CDs, Citibank CDs, and more
    11. Yahoo Finance — Best CD rates today, Monday, August 3, 2026: Lock in up to 4.10% APY
    12. Fortune — Top CD rates today, Aug. 3, 2026: Lock in up to up to 4.45%
    confidence 80%

  3. CD Yields Vary Widely in August 2026 With Top Rates Reaching 9% APY

    Certificate of Deposit rates for August 2026 show significant divergence across providers. Some high-yield options have reached 9% APY, while other top-tier rates are reported between 4.10% and 4.55%. Major banks including Chase, Bank of America, and Citibank are offering competitive rates as of August 3. Savers are currently evaluating potential earnings for 1-year and 2-year terms with deposits ranging from $10,000 to $50,000 to maximize returns amid these fluctuating yields.

    Why it matters

    CD rates are a primary indicator of the broader interest rate environment and Federal Reserve policy. The gap between standard high-yield offerings and outlier 9% rates suggests a fragmented market. Investors use these instruments to lock in guaranteed returns before potential rate drops.

    What is confirmed

    • Some CD APYs for August 2026 have reached 9%.
    • The Wall Street Journal reported highest APYs ranging from 4.14% to 4.55% on August 3, 2026.
    • Yahoo Finance listed top CD rates at 4.10% APY on August 3, 2026.
    • Major banks offering top rates on August 3 include Chase, Bank of America, and Citibank.

    Still unconfirmed

    • One CD is offering 7.5% APY.
    • The best CD rates hit 4.10% APY on July 18, 2026.
    • CD rates reached 4.2% APY as of July 13, 2026.
    • Best CD rates on July 20, 2026, were up to 4.20% APY.
    • Best CD rates on July 31, 2026, were up to 4.15% APY.
    • Best CD rates on August 4, 2026, are up to 4.15% APY.

    What to watch next

    • Federal Reserve policy announcements affecting interest rate trends
    • Updates on specific bank APY changes for 1-year and 2-year terms
    Sources used for this update (22)
    1. marketwatch.com — This CD is offering 9%, and another 7.5% — plus 8 more of the best CD APYs of August 2026
    2. CBS News — How much interest will a $25,000 2-year CD earn if opened this August?
    3. marketwatch.com — ‘A huge difference in potential earnings.’ Where CD rates are headed in August — and how to tap in to the 4%-and-up rates
    4. WSJ — Today’s CD Rates for August 3, 2026: Highest APYs Range From 4.14% to 4.55%
    5. po-news-eg.net — Best CD Rates Hit 4.10% APY on July 18, 2026: What Savers Need to Know - Next Quarter Guidance
    6. money.com — Today's Highest CD Rates Are Up to 9% APY. Here's Where to Get Them
    7. Yahoo Finance — Best CD rates today, Friday, July 31, 2026: Up to 4.15% APY return
    8. dars.gov.et — Certificate of Deposit Rates Reach 4.2% APY as of July 13, 2026 - EPS Guidance Update
    9. CBS News — Here's how much interest a $10,000 2-year CD account will earn if opened this August
    10. Fortune — Top CD rates from major banks on August 3, 2026: Chase CDs, Bank of America CDs, Citibank CDs, and more
    11. Yahoo Finance — Best CD rates today, Monday, August 3, 2026: Lock in up to 4.10% APY
    12. Fortune — Top CD rates today, Aug. 3, 2026: Lock in up to up to 4.45%
    confidence 80%