cd rates are being reported for july 16, 2026, with the highest apy rates ranging from 4.10% to 4.50%. some outlets report rates as high as 4.94% on a later date, but it is unclear if this applies to july 16. the reported rates vary slightly across different sources, with some citing up to 4.40% apy for cds and others mentioning up to 4.50% apy for high-yield savings.