According to CoinMeta, on August 7, 2026, the best CD rates of the day can reach up to 4.15% APY, which is suitable for users who wish to increase their savings. Although CD rates have generally decreased due to the Federal Reserve's three interest rate cuts in 2024 and 2025, some banks still offer competitive CD rates. Currently, the highest rate offered for short-term CD (such as 14 months) is 4.15%. When choosing CD, users should pay attention to the differences in rates among different banks and consider options from online banks and credit unions, which usually offer higher rates and lower fees.