{
  "id": 3513319,
  "title": "What are today's CD interest rates?",
  "url": "https://urgent.news/2026/08/26/what-are-todays-cd-interest-rates",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-26T13:12:33.000Z",
  "source": {
    "name": "CBS News",
    "slug": "cbs-news",
    "url": "https://www.cbsnews.com/news/what-are-todays-cd-interest-rates/"
  },
  "original_language": "en",
  "account": "Today's certificate of deposit (CD) interest rates are higher than the current inflation rate. CD rates vary depending on the term and type, with 6-month, 1-year, 3-year, and 5-year CD rates available. Short-term CDs, with terms around six months to one year, currently offer the highest interest rates. Online banks and online divisions of larger banks often provide competitive CD rates due to lower overhead costs. Strategies to secure the best CD rate include looking at online banks and considering short-term CDs. Laddering CDs with different term lengths can help maximize savings goals. The current economic environment has led to a phenomenon known as the inverted yield curve, where short-term CDs and treasuries have lower interest rates compared to longer-term investments.",
  "summary": "When you open a CD, you'll lock in today's rates for the entire term. Here's how much you can earn.",
  "key_points": [
    "CD rates exceed current inflation rate",
    "Short-term CDs offer highest interest rates",
    "Online banks provide competitive CD rates"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "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."
}