{
  "id": 2764875,
  "title": "Best CD rates today, Sunday, August 23, 2026: Lock in up to 4.35% APY",
  "url": "https://urgent.news/2026/08/23/best-cd-rates-today-sunday-august-23-2026-lock-in-up-to-4-35-apy",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-23T10:00:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-sunday-august-23-2026-lock-in-up-to-435-apy-100000353.html"
  },
  "original_language": "en",
  "account": "On Sunday, August 23, 2026, the highest Certificate of Deposit (CD) rate available is 4.35%, provided by Sallie Mae for a three-year term. The annual percentage yield (APY) of a CD represents the total earnings after one year, accounting for the base interest rate and compounding frequency. For instance, depositing $1,000 into a one-year CD with a 1.52% APY, compounded monthly, would result in a balance of $1,015.20 at year-end. Choosing a one-year CD with a 4% APY instead would yield a balance of $1,040.74 after the same period, earning $40.74 in interest. The deposited amount significantly influences the interest earned. For example, a $10,000 deposit in a one-year CD at a 4% APY would mature with a balance of $10,407.42, resulting in $407.42 in interest. While CD rates are often the primary consideration when selecting a CD, other factors should also be considered. Various CD types offer distinct benefits, although they might require accepting a lower interest rate in return for added flexibility. Among the common CD types are bump-up CDs, which allow a rate increase if the bank's rates rise during the account term, but typically only once; no-penalty CDs, also known as liquid CDs, enabling early withdrawals without penalties; jumbo CDs, which demand larger minimum deposits (often $100,000 or more) but generally offer higher interest rates; brokered CDs, bought through a brokerage instead of a bank, potentially providing better rates or more flexible terms, but also carrying greater risk and may not be FDIC-insured. Based on current rates, fees, and other factors, the best CD options were identified across six-month, one-year, eighteen-month, and two-year terms. This article highlights the top picks in each term length, including the highest yields, and explains how to secure a stable return on your savings. Whether investing in CDs is advantageous today depends on an individual's timeline and objectives. Explore further to determine if CDs are a suitable investment for your financial goals.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Yahoo Finance",
        "title": "Mortgage and refinance interest rates today, Sunday, August 23, 2026: Higher than last weekend as prime selling season wraps up",
        "url": "https://urgent.news/2026/08/23/mortgage-and-refinance-interest-rates-today-sunday-august-23-2026",
        "published": "2026-08-23T10:00:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}