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Best CD rates today, Thursday, August 13, 2026: Lock in up to 4.30% APY with a 16-month CD

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Best CD rates today, Thursday, June 25, 2026: Lock in up to 4% APY


Find out which banks are offering the best CD rates right now. If you’re looking for a secure place to store your savings, a certificate of deposit (CD) may be a great choice. These accounts often provide higher interest rates than traditional checking and savings accounts. However, CD rates can vary widely.

Learn more about where CD rates stand today and how to find the best rates available.

Banks with the best CD rates today

CD rates are relatively high compared to historical averages. That said, CD rates have been on the decline since last year when the Federal Reserve began cutting its target rate. The good news is that several financial institutions offer competitive rates of 4% APY and up, particularly online banks.

Today, Thursday, August 13, 2026, the highest CD rate is 4.30%. This rate is offered by Synchrony Bank on its 16-month CD.

Here is a look at some of the best CD rates available today from our verified partners:

CD rate predictions for 2026

The Federal Reserve began decreasing the federal funds rate in light of slowing inflation and an overall improved economic outlook. It cut its target rate three times in late 2024 by a total of one percentage point.

Back in December, the Fed announced its third rate cut of 2025. However, it’s now unlikely the Fed will cut rates again in 2026. So far this year, the Fed has left rates unchanged, and a rate increase is growing more likely before the year’s end.

The federal funds rate doesn’t directly impact deposit interest rates, though they are correlated. When the Fed lowers rates, financial institutions typically follow suit (and vice versa). So now that the Fed has lowered rates and kept them low, CD rates are trending lower again. That’s why now may be a good time to put your money in a CD and lock in today’s best rates.

How to open a CD

The process for opening a CD account varies by financial institution. However, there are a few general steps you can expect to follow:

  • Research CD rates: One of the most important factors to consider when opening a CD is whether the account provides a competitive rate. You can easily compare CD rates online to find the best offers.

  • Choose an account that meets your needs: While a CD’s interest rate is a key consideration, it shouldn’t be the only one. You should also evaluate the CD’s term length, minimum opening deposit requirements, and fees to ensure a particular account fits your financial needs and goals. For example, you want to avoid choosing a CD term that’s too long, otherwise you’ll be subject to an early withdrawal penalty if you need to pull out your funds before the CD matures.

  • Get your documents ready: When opening a bank account, you will need to provide a few pieces of information, including your Social Security number, address, and driver’s license or passport number. Having these documents on hand will help streamline the application process.

  • Complete the application: These days, many financial institutions allow you to apply for an account online, though you might have to visit the branch in some cases. Either way, the application for a new CD should only take a few minutes to complete. And in many cases, you’ll get your approval decision instantly.

  • Fund the account: Once your CD application is approved, it’s time to fund the account. This can usually be done by transferring money from another account or mailing a check.

Read more: Step-by-step instructions for opening a CD



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Crypto whale drained $25.6M as physical attacks spread: 2026 losses top $1.2B

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Crypto whale drained $25.6M as physical attacks spread: 2026 losses top $1.2B


Another crypto whale lost over $25M as investors in the sector remain under elevated risk. The unknown crypto whale’s assets, including WBTC, cbBTC, LDO, USDS, and CRV, worth $25.6M, were drained and swapped for DAI and ETH.

Analyst Specter noted that the same wallet was exploited for $24.23M back in 2023. For the 2023 case, the hack was carried out through malicious approval (phishing attack). But the attacker returned 90% of the stolen funds. 

Whether the crypto whale will get a portion of the latest $25.6M stolen funds remains to be seen. 

crypto whale
Source: Arkham

Crypto wrench attacks take a new twist

Strangely, the security threat goes beyond financial risk. Physical risks, assaults, and kidnapping, commonly known as wrench attacks, have been prevalent across France and other areas. 

The victims are mostly wealthy crypto owners whose data have been compromised, allowing attackers to have access to their physical home addresses. Now, even non-crypto owners are at risk, according to Jameson Lopp, chief security officer at Bitcoin wallet Casa HODL. 

He noted that a couple in France, with no crypto ownership, has been attacked three times this month.  The couple is reportedly staying in a home that was previously occupied by a crypto investor whose details were in a breached database. 

France, in particular, has been under an intense threat level due to the compromise of the tax agency records. 

crypto whalecrypto whale
Source: Chainalysis

So far in 2026, the annual crypto linked to these violent attacks has surged to $107M. Although the figures have dropped by half in the past two years from $360M to $180M in 2025, it remains to be seen if 2026 posts a similar trend. 

That said, the number of successful wrench attacks that end in crypto losses has also declined, according to Chainalysis. In 2026 alone, the success rate has dropped to 26% (only 12 stolen funds out of 46 attempts). 

crypto whale crypto whale
Source: Chainalysis

Still, this does not downplay the physical and financial threat crypto investors have to deal with. From an on-chain exploits perspective, over $1.2B has been lost in 2026. Some of the attack vectors range from operational security lapses to social engineering. 

crypto whale crypto whale
Source: CoinGecko

Overall, crypto investors must take extra precautions regarding their investments and physical security. If the threats persist, self-custody could be at risk, and many users may be forced to resort to crypto ETFs to mitigate some of the risks. 

Final Summary

  • Crypto whale has lost $25.6M, adding to over $1.2B lost in exploits this year.
  • Violent attacks have dropped by 26% in 2026 but now affect even non-crypto investors. 



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FC Barcelona Has Another Rodri Offer Rejected By Manchester City

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moneyvests
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FC Barcelona Has Another Rodri Offer Rejected By Manchester City


FC Barcelona has had another offer for Rodri rejected by Manchester City according to SPORT and other outlets, citing anonymous sources.

Barça’s second offer was for €60 million plus add-ons, which took the final proposed amount to €70 million.

This comes after a first bid of €46 million was knocked back once talks with Real Madrid broke down and Rodri agreed to join the Catalans.

The latest report from Catalonia confirms that by transfer market expert Fabrizio Romano. Earlier this week, Romano tweeted that “Barcelona have already made a new verbal proposal to Manchester City for Rodri worth €60 million with add-ons”.

“Man City insist on a €80 million valuation to sell Rodri, Barça remains confident to close [the deal]. Half way between €60 million bid and €80 million can be the solution, with add-ons key,” the Italian added, via his popular Twitter account.

SPORT said at that time that the Blaugrana didn’t “want to reach €70 million” for Rodri, but it now appears as though it has no choice.

Rodri is getting more expensive for FC Barcelona

City appears to be holding out for €80 million indeed. It wants that figure to be hit for the World Cup winner and Best Player at the tournament with Spain even if the rest is made up in objectives.

Negotiations for the 30-year-old are described as entering their “final stretch”, and seems as if Sporting Director Deco might have to offer something like €65 million plus €15 million in add-ons or €70 million plus €10 million in bonuses such as perhaps winning the Champions League.

One important sidenote is that City has been set a Friday 5pm UK deadline by Premier League rivals Chelsea to sign Enzo Fernandez.

That deal is said to cost £120 million, and the Mancunians need the Financial Fair Play leg room to pull it off.

This should make them keen to get something for Rodri sorted soon, and he could perhaps be a Barça player by the end of the week ready to star in the Joan Gamper Trophy match against Al-Ahly on August 19.

Under Hansi Flick, Rodri could play a number of midfield positions depending on the formation, but either behind or by the side of FC Barcelona number 8 Pedri, his Spain teammate, are the most likely layouts.



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Underlying U.S. inflation is stickier than July’s mild CPI suggests

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Underlying U.S. inflation is stickier than July’s mild CPI suggests

Underlying economic pressures in the U.S. remain stickier than the consumer price index figure released Wednesday implies, according to macroeconomic writer Mike “Mish” Shedlock.

The CPI report showed inflation slowed in July amid a short retreat in energy prices.

In a blog post Wednesday, Shedlock noted that temporary drops in energy and gasoline prices make the headline figure look small. However, underneath, inflation remained sticky and food prices are undercounted by Bureau of Labor Statistics methods. He also argued that the index ignores key housing costs such as property taxes, insurance and home prices.

This could be why the marginal month‑on‑month increase and the year‑on‑year decline in CPI did not translate into a material softening of the Dollar Index, and therefore offered little support for bitcoin (BTC).

The cryptocurrency continues to trade choppy under $64,000.



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AARP issues urgent call on Medicare drug costs

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AARP issues urgent call on Medicare drug costs


American seniors pay dramatically more for brand-name prescription drugs than patients in 19 comparable countries, and the gap keeps widening each year.

AARP published a new report examining 25 top-selling brand-name drugs that account for more than $100 billion in annual Medicare spending.

The findings arrive at a critical moment, with a federal subsidy program ending after 2026 that currently holds down premiums for standalone Medicare drug plans.

Together, the pricing data and the subsidy expiration create financial pressure on roughly 25 million Americans enrolled in Medicare Part D coverage.

The report strengthens the case for drug price negotiation, a policy that began producing results in 2026 with the first ten Medicare-negotiated medications.

For retirees and those approaching Medicare eligibility, understanding both the pricing landscape and the coming premium changes will shape enrollment decisions this fall.

Brand-name drug prices rose 81% in the U.S. while falling abroad

U.S. prices for the 25 brand-name drugs in the study climbed 81% on average after their initial market launch, AARP’s press release showed. Prices for the same medications fell 13% on average across 19 comparable countries during the same period after launch.

Enbrel, a widely prescribed treatment for rheumatoid arthritis, showed the most extreme divergence in the study’s findings across markets.

Its U.S. price increased 873% after launch while falling 27% internationally, creating a gap that costs Medicare beneficiaries billions each year.

Januvia, a common diabetes medication, rose 126% domestically while declining 40% in the comparison countries included in the analysis. 

Bill Sweeney, AARP’s senior vice president of government affairs, said seniors already struggle with healthcare expenses despite hard-won drug pricing reforms.

Older Americans are already stretched thin by rising health care costs. AARP fought hard to create Medicare Part D, to win Medicare the power to negotiate drug prices and to cap out-of-pocket costs for people in Part D

Medicare could save nearly $200 billion over five years on its ten highest-cost brand-name drugs by requiring manufacturers to match their lowest international prices, the full AARP report found.

The 25 drugs in the study collectively affected nearly 15 million Medicare beneficiaries, concentrating the cost burden on some of the program’s most common conditions.

A separate AARP report published in February found that retail prices for brand-name drugs widely used by older Americans have increased faster than inflation nearly every year since 2004, the organization’s Rx Price Watch series showed.



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Soft U.S. CPI meets weak BTC: Is the ‘Bitcoin bottom’ thesis breaking?

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moneyvests
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Soft U.S. CPI meets weak BTC: Is the 'Bitcoin bottom' thesis breaking?


Market expectations and market rallies often move hand in hand.

Keeping this in mind, the latest U.S. CPI data should have ideally triggered a stronger rally, especially with crypto consolidating in a tight range for over 6-7 weeks now.

Yet, the reaction was pretty muted, with Bitcoin [BTC] up just 0.5% and still capped below the $65k resistance. This came after U.S. CPI printed a 3.4% for July, exactly in line with expectations.

Further adding to the dovish expectations, market odds of a September rate hike fell to 34% after the U.S. CPI data was released.

This is the lowest probability of a September rate hike since the 17th of July, with odds now half of what they were on the 27th. In essence, rate hike expectations have cooled significantly.

Maksym Sakharov, co-founder and CEO of the debanking infrastructure provider WeFi, told AMBCrypto,

The softer print is welcome since the Fed will have more breathing room for deciding on a rate hike, but one release will not settle the argument over the inflation path due to pre-built volatility.

fed
Source: Polymarket

However, these macro tailwinds might just be the tip of the iceberg.

Across social media, the narrative around a “Bitcoin bottom” and a potential “short squeeze” is heating up. From BTC’s technical setup, these narratives aren’t completely far-fetched either.

Echoing a similar narrative, Matt Mena, Senior Crypto Research Strategist at 21Shares, told AMBCrypto,

Bitcoin is testing support above $64k, retesting the level in the last few minutes after CPI came in line with expectations. With the odds of a September hike now down 25% MoM, this could be the relief Bitcoin needed to break $64k and push toward $66k.

Bitcoin continues to trade in a choppy range, with short liquidity building up and over $2.5 billion more shorts than longs. At the same time, on-chain signals are starting to point toward a stronger bottom setup.

So, for the market to rally, analysts expect Bitcoin may first need to flush short liquidity before gaining enough momentum for a breakout. Notably, this is where the lack of momentum after the U.S. CPI release begins to add weight.

The data came in line with expectations, but it still wasn’t enough to trigger the momentum needed for a breakout.

Naturally, this raises the question: Are the “bottom” and “short squeeze” narratives being overhyped, with the actual bottom still further away? 

Bitcoin fails to rally on soft U.S. CPI as capitulation risk builds

The entire Bitcoin bottom thesis isn’t coming out of nowhere.

From an on-chain perspective, BTC has dropped into its “cost of production” zone, showing that BTC is trading closer to the level where miner profitability starts getting squeezed.

Historically, this zone has acted as a key trade of support and often signals that BTC is getting closer to a potential bottom. However, Kalshi traders are forecasting that BTC could close the month below $60k.

With ETF flows dominated by outflows, this further highlights the lack of buying momentum in the market despite the U.S. CPI release.

Notably, the stakes are getting higher as long-term holders’ unrealized losses continue to pile up. As the chart below highlights, BTC LTHs are now carrying deeper unrealized losses than the broader market. However, capitulation still hasn’t arrived. 

U.S. CPIU.S. CPI
Source: CryptoQuant

According to AMBCrypto, this puts the entire BTC bottom narrative under scrutiny.

With accumulation signals still lacking, ETF outflows picking up, and BTC failing to rally after the U.S. CPI release, the market is starting to question the entire Bitcoin bottom thesis.

This is putting even more pressure on BTC’s LTH cohort. As their patience wears thin, capitulation could kick in sooner than expected.

This, in turn, supports Kalshi’s bearish outlook, with traders expecting BTC to close the month below $60k.

Final Summary



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No bitcoin was sold, and our holdings remain 43,000 BTC, Metaplanet’s CEO says

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No bitcoin was sold, and our holdings remain 43,000 BTC, Metaplanet's CEO says

Tokyo-listed bitcoin BTC$63,878.12 holder Metaplanet isn’t dumping its bitcoin BTC$63,878.12 bags.

Company CEO Simon Gerovich moved quickly to dismiss reports of a massive sale, clarifying that Wednesday’s large BTC transfer, flagged by blockchain trackers, was merely a “routine custody transfer” and not a liquidation.

“We transferred 5,014 BTC between Metaplanet custodial addresses over the past 24 hours. This was a routine custody operation. No bitcoin was sold, and our holdings remain 43,000 BTC,” Gerovich said.

On Wednesday, data tracking firms flagged the movement of 5,014 BTC, worth $320 million at the going spot price, from wallets linked to the firm. That sparked a speculation that the firm was preparing to sell those coins.

These so-called digital asset treasury firms, led by industry giant Strategy, has come under the microscope recently as investors watch for any sign of these major corporate holders trimming their positions to lock in gains or manage balance sheet risk.

Strategy has been selling portions of its BTC holdings to fund dividends on its preferred stock, repurchase STRC preferred shares and replenish its U.S. dollar reserve.



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