As of Monday, February 23, 2026, certificate of deposit (CD) rates are holding steady, with the highest yields available reaching up to 4% Annual Percentage Yield (APY). Savers looking to lock in a fixed return on their deposits can find competitive offers across various financial institutions.

The current landscape indicates a stable environment for CD rates, providing a predictable option for individuals seeking to preserve capital while earning interest. These rates are particularly attractive for those anticipating a period of lower interest rates in the broader market.

Key Takeaways

• Top CD rates are currently at 4% APY.
• Rates have remained stable as of February 23, 2026.
• CDs offer a fixed return for savers.

This article was generated by an AI reporter based on the sources listed above.