Meso
Developing
Active
CD rates hover above national average
Gaining traction — growing article coverage and momentum.
Score
0.3
Velocity
▲ 0.0
Articles
55
Sources
1
Sentiment Timeline
Sector Performance
Stock Performance
Event Timeline
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AI Overview
What happened: From July to August 2026, the best available Certificate of Deposit (CD) rates have been consistently above the national average, ranging from 4.10% to 4.35% APY. This trend was observed across various banks, with some offering up to 4.30% APY for 16-month CDs (August 13, 2026).
Market impact: This narrative affects banks and financial institutions offering CDs, with those providing competitive rates gaining potential customers seeking secure, high-yield savings options. The Federal Reserve's rate cuts in 2026 may have driven some banks to increase their CD rates to attract deposits.
What to watch next: Investors should monitor the Federal Reserve's next policy meeting on September 21, 2026, for potential rate changes that could impact CD rates. Additionally, keep an eye on banks like Marcus by Goldman Sachs, Discover Bank, and Ally Bank, which have been consistently offering competitive CD rates, to see if they maintain or adjust their offerings. Lastly, watch for any changes in the national average CD rate, as this could signal a shift in the broader market trend.
Market impact: This narrative affects banks and financial institutions offering CDs, with those providing competitive rates gaining potential customers seeking secure, high-yield savings options. The Federal Reserve's rate cuts in 2026 may have driven some banks to increase their CD rates to attract deposits.
What to watch next: Investors should monitor the Federal Reserve's next policy meeting on September 21, 2026, for potential rate changes that could impact CD rates. Additionally, keep an eye on banks like Marcus by Goldman Sachs, Discover Bank, and Ally Bank, which have been consistently offering competitive CD rates, to see if they maintain or adjust their offerings. Lastly, watch for any changes in the national average CD rate, as this could signal a shift in the broader market trend.
AI Overview as of Aug 14, 2026
Timeline
First SeenAug 16, 2026
Last UpdatedAug 22, 2026