Is 4.35% a good CD rate today?

As of October 13, 2026, 4.35% APY on 18 months matches the top-of-catalog print (Popular Direct CD). Also at 4.35%: Popular Direct CD (stamp September 29, 2026); Sallie Mae Bank Certificate of Deposit (36 Month CD) (stamp August 11, 2026). It is about 11 times the 0.38% FDIC national savings average, August 17, 2026. It is a good rate if you can leave the money until maturity. It is a bad rate if you might break the CD early.