Today's Best CD Rates: Lock in 4.35% APY at United Bank

As of August 9, 2026, the highest Certificate of Deposit (CD) rate is 4.35% APY, offered by United Bank on its 18-month CD. For comparison, a one-year CD yielding 4% APY would grow a $10,000 deposit to $10,407.42 after maturity. CD rates can vary significantly among financial institutions, making it critical for savers to shop around for the best offers. This information is relevant for investors seeking to maximize returns on savings through fixed-income products.