# Top CD rates August 13 2026 up to 4.40% APY

**Published:** 2026-08-14T03:05:08.371Z  
**Topic:** Fed Rates  
**Sentiment:** neutral  
**Publisher:** TrendWatcher — https://www.trendwatcher.in/article/7934a2d2-679d-4e79-8c36-224f3f95a6d4

Find the highest 6‑month and jumbo CD rates available on Aug 13 2026, with 4.40% APY from Bread Savings and Credit One Bank—see terms, minimum deposits and

4.40% APY is the highest annual percentage yield offered on a certificate of deposit as of Aug 13 2026, available from Bread Savings on a 9‑month term and from Credit One Bank on a 13‑month jumbo CD [1][2]. This rate sets the benchmark for short‑term savings products and signals strong competition among online banks and credit unions for deposit inflows.

| At a glance | |
|---|---|
| Highest 6‑month CD rate | 4.40% APY (Bread Savings, 9‑month) |
| Highest jumbo CD rate | 4.40% APY (Credit One Bank, 13‑month) |
| Minimum deposit for top rate | $1,500 (Bread Savings) / $100,000 (Credit One) |
| Early‑withdrawal penalty | 3 months of interest (Bread Savings) / 3 months of interest (Credit One) |

## Leading offers and eligibility  

Bread Savings leads the non‑jumbo segment with a 4.40% APY on a 9‑month CD, requiring a $1,500 minimum deposit and imposing a penalty of three months’ interest for early withdrawal [1]. Among jumbo certificates, Credit One Bank matches the 4.40% APY on a 13‑month term but demands a $100,000 minimum deposit, also penalising early withdrawals with three months of interest [2]. Both products are FDIC‑insured, reflecting the continued emphasis on safety for large‑balance savers.

## Competitive landscape  

The 6‑month CD market shows a tight cluster of rates between 4.15% and 4.30% APY across a dozen institutions, with DR Bank, Genisys Credit Union and NASA Federal Credit Union each offering 4.30% APY on terms ranging from six to nine months [1]. Jumbo offerings are similarly compressed; the next‑best jumbo rates sit at 4.30% APY (Consumers Credit Union, 7 months) and 4.20% APY (Finworth, 6 months) [2]. The narrow spread suggests that banks are competing primarily on deposit size requirements and early‑withdrawal terms rather than on yield differentials.

## What to watch  

- Upcoming Federal Reserve policy statements that could shift short‑term interest‑rate expectations and influence CD pricing.  
- Any changes in FDIC insurance limits that might affect the attractiveness of jumbo versus standard CDs.  
- Release of the next quarterly consumer‑savings‑rate survey, which could reveal whether deposit growth is keeping pace with the high APYs now on offer.

The emergence of 4.40% APY CDs underscores a robust demand for safe, short‑term yields amid a low‑rate environment, while the high minimums for jumbo products keep them niche. Future rate moves will hinge on broader monetary‑policy signals and deposit‑growth trends.

## Sources
1. Investopedia — [Best 6-Month CD Rates for August 2026: Up to 4.40%](https://www.investopedia.com/the-best-6-month-cd-rates-8760603)
2. Investopedia — [Best Jumbo CD Rates Our Experts Found Today, Aug. 13, 2026: Up to 4.40%](https://www.investopedia.com/best-jumbo-cd-rates-4797766)

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Cite as: TrendWatcher, "Top CD rates August 13 2026 up to 4.40% APY", https://www.trendwatcher.in/article/7934a2d2-679d-4e79-8c36-224f3f95a6d4