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Best CD rates today: up to 4.40% APY on short-term CDs

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 currently lock in annual percentage yields of up to 4.40% on 11- and 12-month certificates of deposit, according to updated rate comparisons published Tuesday, October 13, 2026. The roundup highlights which banks and credit unions are still offering competitive short-term returns, as deposit rates gradually drift down from recent highs.

Why now: Savers are watching CD rates as yields slowly decline and top short-term offers remain above 4%.

certificate of depositYahoo Finance

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• 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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