✉news BusinessPersonal Finance first seen 11 h ago, last 2 h ago, peak #2

CD Rates Offer APYs Between 4.50% and 5.25%

Original: Today’s CD Rates for October 12, 2026: Highest APYs Range From 4.50% to 5.25%

A daily survey of certificate of deposit rates shows the highest annual percentage yields available on October 12, 2026 range from 4.50% to 5.25%. Savers comparing CDs can use these figures to lock in returns at the top of the market, as yields vary by institution, term length and deposit requirements.

Why now: Savers are watching CD yields closely while rates remain elevated and they look to lock in high returns.

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Evidence

• Today’s CD Rates for October 12, 2026: Highest APYs Range From 4.50% to 5.25% · WSJ

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