Top CD rates today to lock in over 4% APY: Heres where smart savers are moving their money

Best CD rates today: Deposit account rates are drifting lower, but savers can still lock in strong returns with Certificates of Deposit (CDs). Top rates currently exceed 4% APY, with short-term CDs from institutions like United Fidelity Bank and First National Bank of America offering competitive Best CD rates todayyields. This trend reflects a shift from historical lows experienced over the past two decades.