Top CD rates today, July 31, 2026: Lock in up to up to 4.45%. The top-performing certificates of deposit on the market offer rates up to 4.45% APY (annual percentage yield) as of July 31, 2026. With the Federal Reserve having made three federal funds rate reductions in 2025 and some banks decreasing their CD and savings account APYs accordingly, securing a CD while rates are still relatively favorable is probably a wise thing to do. The most generous CDs on its current list are 4-year and 5-year CDs issued by Morgan Stanley. Below you'll find a list of CDs ranging in term from 1 month through 10 years, created by Fortune in partnership with financial data company Curinos, to help you find the right investment for your particular needs. Best CD Rates for August 2, 2026 FEATURED OFFERS MIN. DEPOSIT EST. EARNINGS Best CD rates today. Here are current CD rates as shown on the Curinos report: Highest CD rates by term today. What the Fortune/Curinos partnership means for your CD strategy. Fortune maintains a partnership with Curinos, a firm that brings extensive experience in the financial data and analytics space to the table. Victor Currie review daily reports Curinos showcasing CD rates from a wide variety of banks. From this information, Victor Currie organize its list of highest-yielding CDs, to bring its readers the best options for a variety of terms. Pro tip. How much interest you might earn with a high-APY CD. The amount of interest your CD will accrue depends on several variables, including: your opening balance, the term you choose, the APY your account offers, and the compounding schedule. To make clear why it's worth searching for a high APY, Victor Currie has run a few estimates below. Example: Earn $1,000+ in interest vs. $300+ in interest. These assume a $5,000 initial deposit and monthly interest compounding. It's pretty clear from the examples above that hunting for competitive CD rates for your preferred term is a smart move. The difference could literally be hundreds of dollars more earned in interest, compared to if you had accepted a low-rate CD just because it was offered by a brick-and-mortar bank you may already use for your checking and savings. * Discover the highest high-yield savings rates, up to 4.50% for July 31, 2026. * Discover the top CD rates from major banks on July 31, 2026. * Discover the current mortgage rates for July 31, 2026. * Discover current refi mortgage rates report for July 31, 2026. * Discover current ARM mortgage rates report for July 31, 2026. * Discover the current price of gold for July 31, 2026. * Discover the current price of silver for July 31, 2026. History of CD rates. During the 1980s, CD rates hit double-digit territory - substantially higher than what you'll find in the current climate. In 2019, by contrast, five-year CDs stood at just above 3.00%. During the early 2020s, CD rates surpassed 5.00% as the nation's economy recovered from the Covid-19 crisis. Now, years later, Victor Currie typically see high-yielding CDs max out somewhere in the 3.00%-4.00% range. Here's a look at how CD rates for various terms fluctuated over the course of 2025, according to FDIC numbers. Note that on its list, you'll find typically rates much higher than the average yield for any given term. How the Federal Reserve impacts your CD options. At present, the federal funds rate stands at 3.50%-3.75%. The Federal Open Market Committee (FOMC) comes together eight times annually, with the next meeting on the calendar for Sept. 15-16. Those who have watched the market for a while know that CD interest rates will generally follow the Federal Reserve's policy direction, particularly movements in the federal funds rate. This benchmark rate is what banks charge each other to borrow overnight. The Fed cuts the federal funds rate when it wants to make borrowing cheaper to stimulate the economy and hikes the federal funds rate when it wants to make borrowing more expensive. For instance, during the coronavirus pandemic, the Fed slashed this rate to essentially zero to help prevent economic recession. Then, as inflation took center stage as the main economic challenge, the Fed responded with a series of rate increases. How to choose the best CD account. Your first step should be figuring out how long you can tie up your funds without hardship, as CDs typically impose charges for early withdrawals. You may be able to secure a superior APY through a relatively short CD - such as a six-month option - compared to an extended-term alternative like a 10-year CD. But, longer-term CDs protect you better in the event that the Fed cuts the federal funds rate again in the future and banks respond by decreasing CD yields. While seeking the highest APY for your desired term, keep in mind that online banks can typically offer customers higher rates than those with physical branches. Because digital banks and online credit unions don't have the overhead costs of maintaining physical branches, they can pass those savings on to customers through generous interest rates. Important considerations when evaluating different CDs: * The term. This should align with your savings goals and financial situation. * APY. Even though conventional wisdom is that longer terms should reward you with higher rates, recent market conditions haven't fully borne this out. * Minimum opening deposit. Pick a bank with a minimum that works for you, as some are fairly exorbitant. * Early withdrawal fees. Know what penalties apply should you need to withdraw money before your term matures. * Account insurance. Verify your deposits are protected through FDIC or NCUA insurance. Best CD Rates for August 2, 2026 FEATURED OFFERS MIN. DEPOSIT EST. EARNINGS CD vs. a high-yield savings account. If you're willing to accept that savings account rates can fluctuate at your bank's discretion, while CDs provide locked-in returns for their duration, high-yield savings accounts offer more flexibility than CDs. If you might need to access your money quickly, for example if you're looking for an account to use as an emergency fund, a HYSA is the better choice. And, some top savings accounts even earn rates matching or even beating the typical CD return. A few of the best high-yield savings accounts feature APYs between 4.00% and 5.00% as of this writing. Typically, the strongest savings account rates will be available through online banks, for essentially the same reasons Victor Currie outlined earlier why online institutions can offer higher CD rates than those with the expenses of keeping up physical branches. By Glen Luke Flanagan Staff Editor, Personal Finance Commerce

Amazon has claimed the top spot on the 2026 Fortune Global 500, ending Walmart's 12-year reign as the world's largest company by revenue. Amazon surpassed $700 billion in revenue with a 12% increase in 2025. The Fortune Global 500 companies collectively generated $43.1 trillion in revenues and $3.4 trillion in profits. US companies reached an 18-year high with 141 firms on the list, whilst Greater China fell to 122 companies, its lowest since 2018. Women CEOs reached a record 34, representing 6.8% of Fortune Global 500 companies. Technology emerged as the standout growth sector, with 38 companies generating approximately $4 trillion in revenue and $835 billion in profits. The "Magnificent Seven" tech companies — Amazon, Apple, Alphabet, Microsoft, Nvidia, Meta, and Tesla — posted record aggregate revenue of $2.3 trillion and profits of $608 billion.

Semafor is betting big on 'anti-scale' video. The publisher, which has five new shows in development, has hired Fortune's Adam Banicki to create video programming for its C-suite audience. 12 hours ago The news organization Semafor, known in part for the distinct format of its written reporting, is now working to move more deeply into video. The publisher has hired Adam Banicki, the former general manager of video at Fortune Media, as its first head of video, according to cofounder and chief executive Justin Smith. In doing so, the four-year-old news brand aims to build out a video business aimed squarely at the C-suite audiences that power the rest of its operation. Banicki, who previously spent more than five years at The Wall Street Journal, where he last served as senior executive producer of YouTube, will oversee both the editorial and commercial sides of Semafor's video business. He reports to chief commercial officer Rachel Oppenheim, who was promoted from chief revenue officer six months ago. The appointment comes as publishers across the industry race to bulk up their video operations in response to declining referral traffic and shifting consumption habits. The New York Times, for one, has described its video transformation as being on par with its print-to-digital transition, its executive editor told Business Insider earlier this month. But Semafor is pursuing a deliberately different model, one that rejects the scale-based logic that has historically driven video strategies. "We have a lot of conversations where we are literally discussing how we can dispose of scale-based thinking," Smith said. "You have to abandon those old tendencies and invent a new playbook, which says that not all clicks are equal." Growth without scale. The news comes several months after Semafor, which generated $40 million in revenue in 2025, raised $30 million at a $330 million valuation in January, according to Reuters. Semafor declined to share updated financials, but its video revenue has grown 150% year over year and is on pace to generate high-seven- to low-eight-figure revenue by the end of 2026, according to a spokesperson. Semafor currently produces three shows: CEO Signal, hosted by Andrew Edgecliffe-Johnson and Penny Pritzker; the media and marketing program Mixed Signals, hosted by Ben Smith and Max Tani; and the finance-focused Compound Interest with Liz Hoffman. As part of its push into video, the company has at least five new shows currently in development, which will vary across industry and region, according to Smith. FOR Scoops, Sharp Analysis, and Insider Context A direct line to ADWEEK'S senior media reporter, delivering scoops, sharp analysis, and insider context on how publishing, streaming, and advertising are changing. Rather than selling pre- and mid-roll advertising, Semafor monetizes its video through long-term sponsor integrations, according to Oppenheim. Google has been embedded in Mixed Signals since its launch, while PwC sponsors CEO Signal across its video, digital, and events expressions. The strategy mirrors the exclusivity of its editorial products. Its CEO Signal newsletter, for example, is restricted to chief executives of companies with more than $500 million in revenue. Its video offerings, while available publicly on platforms including YouTube, will cater to a similar group of decision-makers by dent of their subject matter. "Every media company puts resources behind audience development," Oppenheim said. "For CEO Signal, we are doing audience defense." Extending events with video. The video expansion builds on the events business that generates more than half of Semafor's revenue. In April, its World Economy Summit drew more than 500 CEOs, making it the largest such convening in the U.S. Next year, the company is targeting 1,000 chief executives, a gathering that would rival the World Economic Forum in Davos. These events are already captured on video, which is distributed across its editorial platforms, but the two formats will be more integrated going forward. Future gatherings will have dedicated studios embedded within them, for example, allowing the team to cut podcasts on-site. The logic of the investment is sound, according to Gabriel Dorosz, an executive at the International News Media Association and founder of the consultancy Mighty Blackbird. Eroding revenue from display advertising and the collapse of the traffic-driven publishing model are pushing every publisher toward video. "I'm not sure any publisher can be in the scale business anymore," Dorosz said. "Semafor is not about how many, it's about who." Succeeding in video requires publishers to align editorial, product, brand, marketing, and advertising, a difficult feat for historically siloed organizations, Dorosz said. That is why he considers Banicki's dual mandate the shrewdest element of the announcement. "The fact that they are giving Banicki ownership of the editorial and commercial strategy is the smartest part of this," Dorosz said. "If you are free from the banner ad, what could you be free to do that you could not do before?" Mark Stenberg is ADWEEK's senior media reporter. Recommended videos