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Best CD rates today offer up to 4.40% APY
Original: Best CD rates today, Tuesday, October 13, 2026: Lock in up to 4.40% APY on an 11- and 12-month CD
Savers can lock in certificates of deposit paying as much as 4.40% APY on 11- and 12-month terms, according to rate comparisons published Tuesday, October 13, 2026. The roundup highlights which banks and credit unions are currently offering the most competitive short-term yields, as deposit rates gradually ease from recent highs and consumers weigh locking in returns before further cuts.
Why now: Savers are watching for the chance to lock in elevated fixed returns before deposit rates decline further.
Evidence
- Best CD rates today, Tuesday, October 13, 2026: Lock in up to 4.40% APY on an 11- and 12-month CD · Yahoo Finance
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