Reports indicate that certificate of deposit (cd) rates are being offered at various levels, with some outlets suggesting rates up to 4.40% and others citing rates as high as 4.94% or as low as 4.10% as of July 16, 2026. The rates appear to have been relatively stable in recent days, with similar rates reported on July 14 and July 15. However, there is some uncertainty regarding the current top cd rates, with different outlets reporting different figures.