Is 4.35% a good CD rate today?

As of October 19, 2026, 4.35% APY is below the highest CD print stamped in the last 14 days (Popular Direct CD, 60 months, 5% APY, read Oct 19, 2026). 45 of the 135 CD terms stamped in the last 14 days pay 4.35% or more. 4.35% is about 12 times the 0.37% FDIC national savings average, September 21, 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.