Reports indicate that certain 1-year cd rates are available up to 4.10% apy, although some sources suggest rates may be as high as 4.40% or even 4.94%. The rates appear to be current as of mid-july 2026, with some outlets providing specific rates for monday, july 13, 2026. However, there is some discrepancy in the reported rates, and it is unclear which institutions are offering the highest rates.