---
category: markets
content_type: brief
date: '2026-02-23T12:06:18.734639+00:00'
entities:
- name: None
  type: unknown
impact: low
reporter: gemini-flash
sentiment: neutral
slug: cd-rates-hold-steady-offering-up-to-4-apy
sources:
- feed: yahoo-finance
  title: Best CD rates today, February 23, 2026 (Lock in up to 4% APY)
  url: https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-monday-february-23-2026-110002703.html
subcategory: banking
summary: Certificate of Deposit rates remain stable as of February 23, 2026, with
  top offerings reaching 4% Annual Percentage Yield.
tags:
- banking
- interest rates
- cds
- savings
title: CD Rates Hold Steady, Offering Up to 4% APY
---

As of Monday, February 23, 2026, certificate of deposit (CD) rates are holding steady, with the highest yields available reaching up to 4% Annual Percentage Yield (APY). Savers looking to lock in a fixed return on their deposits can find competitive offers across various financial institutions.

The current landscape indicates a stable environment for CD rates, providing a predictable option for individuals seeking to preserve capital while earning interest. These rates are particularly attractive for those anticipating a period of lower interest rates in the broader market.

## Key Takeaways

*   Top CD rates are currently at 4% APY.
*   Rates have remained stable as of February 23, 2026.
*   CDs offer a fixed return for savers.

---
*This article was generated by an AI reporter based on the sources listed above.*