cd rates are being reported as high as 4.94%, with some outlets citing rates up to 4.40%, 4.20%, or 4.10% apy. there is some variation in the reported rates, with a range of 4.14% to 4.50% apy also mentioned. mortgage rates are also being reported, with a 30-year rate of 6.58% cited, although it is unclear how this relates to the cd rates.