The following is a breakdown of CD rates today and where to find the best offers. Overview of CD rates todayHistorically, longer-term CDs offered higher interest rates than shorter-term CDs. Today, Sunday, August 2, 2026, the highest CD rate is 4.10%. This is a measure of your total earnings after one year, taking into account the base interest rate and how often interest compounds (CD interest typically compounds daily or monthly). In today's CD rate environment, however, the difference between traditional and jumbo CD rates may not be much.