Certificates of deposit (CDs) are being offered with various annual percentage yields (APYs) in July 2026, with some outlets reporting rates up to 4.94% and one mentioning a rate as high as 9%. However, other reports suggest the highest APYs may range from 4.10% to 4.50%. The rates being offered by major banks, including Chase, Bank of America, and Citibank, are also being tracked.