{"id":3656,"date":"2026-07-18T04:40:57","date_gmt":"2026-07-18T04:40:57","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=3656"},"modified":"2026-07-18T04:40:57","modified_gmt":"2026-07-18T04:40:57","slug":"best-certificates-of-deposit-cds-for-july-2026","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=3656","title":{"rendered":"Best certificates of deposit (CDs) for July 2026"},"content":{"rendered":"<div>\n<p>You\u2019ve got a checking account for paying bills and things that require immediate access to your funds. And you\u2019ve got a high-yield savings account so your emergency fund earns an above-average APY while stashed away. What\u2019s next? The smart consumer might opt to open a certificate of deposit\u2014or even several\u2014to protect their savings from market changes that can cause the interest rate offered on other types of deposit accounts to fluctuate.\u00a0<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3648\">OpenAI\u2019s CFO: 4 questions that reveal if your AI spend is paying off<\/a><\/p>\n<p>With our top picks for CDs, you can earn an APY of up to 4.25%. Let\u2019s dive in.<\/p>\n<div><!--$!--><!--\/$--><\/div>\n<h2>Editor\u2019s Picks: Best CDs of Best certificates of deposit (CDs) for July 2026<\/h2>\n<p><em>Fortune<\/em> has joined forces with the banking industry experts at Curinos to monitor top CD rates and keep consumers informed. Here are some of our favorites for a variety of needs and terms.<\/p>\n<p><em>Details reviewed July 17, 2026.<\/em><\/p>\n<h2>Best for a high APY<\/h2>\n<div><div><div><div><div><h2>First National Bank of America<\/h2><div><div><div><p>CD term<\/p><div><span>120 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.25%<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>$1,000<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"The First National Bank of America logo.\" class=\"wp-image-3650\" height=\"303\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6-1024x303.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6-1024x303.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6-300x89.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6-768x228.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6.webp 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1955<\/li>\n<li>: East Lansing, MI<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>If\u00a0you\u2019re\u00a0simply looking for a generous APY to maximize the interest your CD earns, First National Bank of America tops our list with a 4.25% APY on a 9-month CD. And with a $1,000 minimum deposit, we think this high-earning CD is\u00a0fairly accessible\u00a0to most savers. That said, you do have to be willing to lock your funds away for a decade.<\/p>\n<p><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/p>\n<div><div>\n<h3>Learn more<\/h3>\n<p>Read our roundup of First National Bank of America CD rates.<\/p>\n<\/div><\/div>\n<h2>Best for a low minimum deposit<\/h2>\n<div><div><div><div><div><h2>E*TRADE<\/h2><div><div><div><p>CD term<\/p><div><span>9 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.10%<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>$0 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at E*TRADE<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"ETRADE logo\" class=\"wp-image-3651\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/320935690d394589e623fe4bd1cc44e8-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/320935690d394589e623fe4bd1cc44e8-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/320935690d394589e623fe4bd1cc44e8-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/320935690d394589e623fe4bd1cc44e8-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/320935690d394589e623fe4bd1cc44e8.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1982<\/li>\n<li>: Arlington, VA<\/li>\n<li>: Ted Pick<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>E*TRADE CDs\u00a0require\u00a0no minimum deposit, and many of them offer highly competitive yields. Our top pick for this category is the 9-month CD with its 4.10% APY. When\u00a0you\u2019re\u00a0looking to secure a strong earning rate for a\u00a0year\u00a0but you\u00a0don\u2019t\u00a0necessarily want to tie up hundreds or thousands of dollars, this might be the right investment for you.<\/p>\n<p><em><em><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/em><\/em><\/p>\n<h2>Best for a 3-month CD<\/h2>\n<div><div><div><div><div><h2>Northern Bank Direct<\/h2><div><div><div><p>CD term<\/p><div><span>3 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.00%<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>$500 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at Northern Bank Direct<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Northern Bank Direct logo.\" class=\"wp-image-3652\" height=\"206\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/ef911925aa8a535fc54e31b78741a766.webp\" width=\"400\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/ef911925aa8a535fc54e31b78741a766.webp 400w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/ef911925aa8a535fc54e31b78741a766-300x155.webp 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1960<\/li>\n<li>: Woburn, MA<\/li>\n<li>: James Mawn Jr.<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Consider the 3-month CD from Northern Bank Direct if you want to earn a generous rate without locking away your money for too long. It offers a strong 4.00% APY and requires a\u00a0fairly low\u00a0minimum deposit of $500 .<\/p>\n<p><em><em><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/em><\/em><\/p>\n<div><div>\n<h3>Learn more<\/h3>\n<p>Read our roundup of Northern Bank Direct CD rates.<\/p>\n<\/div><\/div>\n<h2>Best for a 6-month CD<\/h2>\n<div><div><div><div><div><h2>Newtek Bank<\/h2><div><div><div><p>CD Term<\/p><div><span>6 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.00%<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>$2,500 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Newtek Bank logo.\" class=\"wp-image-3653\" height=\"104\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3008d46293f8a67e26db9ae06f1c9b6f.webp\" width=\"482\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3008d46293f8a67e26db9ae06f1c9b6f.webp 482w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3008d46293f8a67e26db9ae06f1c9b6f-300x65.webp 300w\" sizes=\"auto, (max-width: 482px) 100vw, 482px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1963<\/li>\n<li>: Miami, FL<\/li>\n<li>: Barry Sloane<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>With a 4.00% APY, the 6-month CD from Newtek Bank is a generous option that\u00a0doesn\u2019t\u00a0require you to lock your funds away for too long. For those seeking a middle ground between a short term\u00a0like\u00a0three months and longer terms of 12 months or more, we think this CD offers the right balance of flexibility and locking in a high rate for half a year. At $2,500 , its minimum deposit\u00a0isn\u2019t\u00a0the most accessible, but neither is it the highest\u00a0we\u2019ve\u00a0seen.<\/p>\n<p><em><em><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/em><\/em><\/p>\n<h2>Best for a 1-year CD<\/h2>\n<div><div><div><div><div><h2>Popular Direct<\/h2><div><div><div><p>CD Term<\/p><div><span>12 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.17%<\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$10,000 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"Popular Direct logo\" class=\"wp-image-3654\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/4fa14d125e50fd2dc5da8cf8bee5b681-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/4fa14d125e50fd2dc5da8cf8bee5b681-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/4fa14d125e50fd2dc5da8cf8bee5b681-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/4fa14d125e50fd2dc5da8cf8bee5b681-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/4fa14d125e50fd2dc5da8cf8bee5b681.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div>\n<p>Planning to stash your money away for 12 months? Then this CD from Popular Direct with its 4.17% APY could be a good place to store your savings.\u00a0\u00a0<\/p>\n<p>Granted, with a minimum deposit of $10,000 , it won\u2019t be the best choice for all savers. That\u2019s by far the steepest minimum on this list. But, for those willing to commit their money for a year and looking for the best return they can get, we think Popular Direct deserves a look.\u00a0<\/p>\n<h2>Best for a 5-year CD<\/h2>\n<div><div><div><div><div><h2>TAB Bank<\/h2><div><div><div><p>CD term<\/p><div><span>60 months<\/span><\/div><\/div><div><p>APY<\/p><div><span>4.20%<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>4.20%<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at Bankrate<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The TAB Bank logo.\" class=\"wp-image-3655\" height=\"66\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/38e522eaca11f81a84fc8a7286d8b306.webp\" width=\"244\"\/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1998<\/li>\n<li>: Ogden, UT<\/li>\n<li>: Austin Strong<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Maybe you\u2019re looking to store that nest egg for a longer period of time for the guarantee of a solid APY over the years.\u00a0In that case, know that TAB Bank offers a\u00a0relatively generous\u00a04.20% APY on its five-year CD.\u00a0And,\u00a0you\u2019ll\u00a0need just 4.20%\u00a0saved up\u00a0to open one of these accounts.<\/p>\n<p><em><em><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/em><\/em><\/p>\n<h2>Best for a 10-year CD<\/h2>\n<div><div><div><div><div><h2>Vio Bank<\/h2><div><div><div><p>CD term<\/p><div><span>120 months<\/span><\/div><\/div><div><p>APY<\/p><div><\/div><\/div><div><p>Minimum deposit<\/p><div><\/div><\/div><\/div><\/div><\/div><div>View offer at Bankrate<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Vio Bank logo.\" class=\"wp-image-2888\" height=\"112\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/a0fadde38069039bc61a2198d115dd1f.webp\" width=\"300\"\/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company Insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2018<\/li>\n<li>: Oklahoma City, OK<\/li>\n<li> Todd Dobson<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Obviously, our top pick for a high APY is also a strong choice for this category. But, if First National Bank\u00a0isn\u2019t\u00a0a fit for you, the runner-up is the 10-year CD from Vio Bank with a 2.75 APY. While the rate is a little lower than the other picks on our list, we do like that this CD is accessible with a deposit of as little as $500.<\/p>\n<p><em><em><em>Details reviewed <em><em><em><em><em><em><em>July 17, 2026<\/em><\/em><\/em><\/em><\/em><\/em><\/em>.<\/em><\/em><\/em><\/p>\n<!-- --> <!-- -->\n<h2>Complete guide to CDs<\/h2>\n<p>There are several terms and strategies to familiarize yourself with as you develop a CD strategy that works well for you. Here are some of the basics.<\/p>\n<h3>What is a certificate of deposit?<\/h3>\n<p>With CDs, or certificates of deposit, customers receive a fixed interest rate in exchange for tying up their money for a fixed period. Interest is typically paid on a regular basis, either daily, monthly, or quarterly.<\/p>\n<p>After a CD reaches maturity\u2014or the end of its term\u2014you can withdraw the money you deposited initially, plus any earned interest. If you tap your money before the CD\u2019s term is up, most CDs charge an early withdrawal penalty, which is usually worth a few days or months of interest.<\/p>\n<p>Typically, upon maturity, your CD is renewed automatically. If you don\u2019t want to roll over your money into a new CD, you\u2019ll usually be given a grace period during which you can choose to withdraw your funds.<\/p>\n<h3>What is considered a good CD rate?<\/h3>\n<p>A \u201cgood\u201d CD rate can be somewhat subjective. That\u2019s because you need to strike a balance between the best rate available and the longest amount of time you can afford to keep your money tied up. For example, if you find a CD offering 5% APY, but it requires you to keep your money on deposit for five years, the interest rate may not be worth it. You might need your money sooner or rates could go higher while you\u2019re stuck earning a lower return.<\/p>\n<p>Generally, a CD rate that\u2019s above the national average is a solid choice. Before deciding if a CD is worth it, compare accounts from multiple banks and see which one offers the highest rate for the term length you want.<\/p>\n<p>The FDIC publishes national averages for a variety of deposit account types here. As of this writing, the national average on CDs ranged from 0.23% (on 1-month CDs) to 1.65% (on 12-month CDs).\u00a0\u00a0<\/p>\n<h3>How are CD rates determined?<\/h3>\n<p>CD rates are set by your individual bank or financial institution. Although, there are several factors that can influence these rates. This includes the length of your CD term (longer-term CDs usually offer higher rates than shorter-term ones) and type of CD, the amount of your initial deposit (some CDs offer tiered interest rates), benchmark interest rates set by the Federal Reserve, and temporary promotional offers offered by your financial institution.\u00a0<\/p>\n<h3>What is the APY on a CD?<\/h3>\n<p>APY stands for \u201cannual percentage yield.\u201d It\u2019s a way to calculate the total amount of interest that you can earn on an investment such as a CD in one year, taking into account the effect of compounding interest.<\/p>\n<p>The APY of a CD will depend on the interest rate offered by the bank or financial institution, the frequency of compounding (daily, monthly, annually, and so on), and the length of the term of the CD.<\/p>\n<h3>What are CD ladders and how do they work?<\/h3>\n<p>For savers who are on the fence about locking away their funds in a CD for an extended amount of time, you\u2019re not alone. While some CDs offer terms that are just a few months long, other CDs take years to mature\u2014usually, you earn a higher rate with these CDs, but you\u2019ll have to part with your money for longer.\u00a0<\/p>\n<p>One way to score the benefits of both short and long-term CDs is to set up a CD ladder. This is a savings strategy where you split your savings between several CDs of varying maturities.\u00a0<\/p>\n<p>Here\u2019s how a CD ladder works: If you want to invest $3,000, you would invest $1,000 each in three CDs of staggering maturities\u2014let\u2019s say one-year, two-year, and three-year. When each CD matures, you reinvest that money in a three-year CD. That way you have access to cash every year.\u00a0\u00a0\u00a0\u00a0<\/p>\n<h3>Do I have to pay taxes on CD interest?<\/h3>\n<p>If you opt for a CD as your primary savings vehicle, you should be aware that interest earned on the funds you deposit is considered taxable interest by the IRS. The interest you earn is subject to federal and state income tax.\u00a0<\/p>\n<p>Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you\u2019ve earned and your tax bracket.<\/p>\n<p>If you withdraw funds from your CD early, you can also expect to see those penalties on your 1099-INT form.\u00a0<\/p>\n<h3>Is a certificate of deposit considered a safe investment?<\/h3>\n<p>Certificates of deposit are considered safe investments so long as they are helped by FDIC- or NCUA-insured financial institutions which insure your deposits up to $250,000 per depositor, per bank, for each account ownership category or up to $250,000 per share owner, per insured credit union, for each account ownership category.\u00a0<\/p>\n<div>\n<p><\/p>\n<ul>\n<li>Discover the highest high-yield savings rates, up to 4.50% for July 17, 2026.<\/li>\n<li>Discover the highest CD rates, up to 4.40% for July 17, 2026.<\/li>\n<li>Discover the top CD rates from major banks on July 17, 2026.<\/li>\n<li>Discover the current mortgage rates for July 17, 2026.<\/li>\n<li>Discover current refi mortgage rates report for July 17, 2026.<\/li>\n<li>Discover current ARM mortgage rates report for July 17, 2026.<\/li>\n<li>Discover the current price of gold for July 17, 2026.<\/li>\n<li>Discover the current price of silver for July 17, 2026.<\/li>\n<\/ul>\n<\/div>\n<h2>Types of CDs<\/h2>\n<p>There are various types of CDs you can choose from depending on how much money you\u2019d like to deposit into your CD, whether you\u2019d prefer to have access to your money before maturity, and more. A few of the most common types of CDs include:\u00a0<\/p>\n<h3>Brokered CDs<\/h3>\n<p>Brokered CDs are purchased and sold through a brokerage account rather than through a bank or credit union.\u00a0<\/p>\n<p>These CDs are usually issued by banks and then sold to brokerages, which then offer them to customers at higher APYs than traditional CDs.\u00a0<\/p>\n<p>You\u2019ll also get greater flexibility with a brokered CD: Rather than pay an early withdrawal penalty, you can access your cash early by selling your brokered CD on a secondary market.\u00a0<\/p>\n<p>However, in doing so you open yourself to interest rate risk.\u00a0<\/p>\n<p>If you sell your brokered CD after interest rates have risen, your CD, with a lower rate, will be less valuable to investors, and you may lose money when you sell it.\u00a0<\/p>\n<p>Some brokered CDs may have a call feature too.<\/p>\n<h3>Callable CDs<\/h3>\n<p>Callable CDs have a call feature that allows the financial institution that issued them to terminate the CD before it reaches maturity. When this happens, the investor keeps the principal and any interest they accrued up to that point.\u00a0<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3646\">NordicTrack X24 Treadmill Review (2026): Expert Reviewed<\/a><\/p>\n<p>Typically, a financial institution calls a CD when interest rates drop because it can offer lower interest rates on newly issued CDs. After your CD is called, you\u2019ll have to reinvest your funds at a lower rate\u2014this is known as reinvestment risk. Due to this risk, callable CDs usually offer higher APYs than CDs without a call feature.<\/p>\n<h3>Bump-up CDs<\/h3>\n<p>With a bump-up CD, you can request an APY on your CD if interest rates rise after you\u2019ve opened your account. Typically, you\u2019ll be eligible to increase the rate on your CD once or twice during the term.\u00a0<\/p>\n<h3>No-penalty CDs<\/h3>\n<p>This type of CD does not charge a penalty for withdrawing funds before your CD reaches maturity. This type of CD is less common than other CD types and may also offer lower APYs than traditional CDs.<\/p>\n<h3>Jumbo CDs<\/h3>\n<p>Jumbo CDs typically require a minimum opening deposit of at least $100,000 but usually offer higher APYs than traditional CDs.\u00a0<\/p>\n<h3>Variable-rate CDs<\/h3>\n<p>With a variable-rate CD, the APY fluctuates based on the interest rate. These CDs are riskier than traditional CDs because if interest rates drop before the CD reaches maturity, you can receive a lower interest rate.<\/p>\n<h3>CD calculator: how to determine CD earnings potential<\/h3>\n<p>To calculate your earnings from a CD, you\u2019ll need to use the following formula: P(1+R\/N)(NT) = A. Where \u201cA\u201d represents the value of your CD, including interest. \u201cP\u201d is equal to your principal balance or initial deposit. \u201cR\u201d represents your yearly interest rate\u2015in this case, it would be your APY. \u201cN\u201d represents the compound frequency of your CD in a given year, and \u201cT\u201d represents the number of years until your CD\u2019s maturity date. Let\u2019s illustrate this with an example:<\/p>\n<ul>\n<li>Initial deposit \u201cP\u201d = $500<\/li>\n<li>APY \u201cR\u201d = 5.15%<\/li>\n<li>Monthly compound frequency \u201cN\u201d = 12<\/li>\n<li>Number of years until maturity \u201cT\u201d = 1<\/li>\n<\/ul>\n<p>Our equation would turn out like this:<\/p>\n<p>500 x ((1+(5.15\/12)) x (12 x 1)) = <\/p>\n<p>So, if you deposit $500 into a 12-month CD with an interest rate of 5.15% that compounds monthly, you could expect to withdraw about $526 at the end of the term.<\/p>\n<p>To calculate rates accurately, you may need to do a bit of extra math to determine your variables. For example, if the term length is under a year, you\u2019ll need to determine what percentage of \u201c1\u201d to use for the variable \u201cT.\u201d A three-month term would be 0.25, a six-month term would be 0.5, and so forth. Here are more examples that calculate the end value of a CD with a $500 opening deposit and 5% APY:<\/p>\n<div><div>\n<h3>Pro tip<\/h3>\n<p>Looking for the best CD to fit your investment needs? See rates from top institutions:<br\/>\u2013Wells Fargo<br\/>\u2013Capital One<br\/>\u2013Chase<br\/>\u2013Bank of America<br\/>\u2013Discover Bank<br\/>\u2013Northern Bank Direct<br\/>\u2013Ally Bank<br\/>\u2013Newtek Bank<br\/>\u2013Popular Direct<br\/>\u2013Citibank<br\/>\u2013Sallie Mae Bank<\/p>\n<\/div><\/div>\n<h2>Can you get a CD rate over 5%?<\/h2>\n<p>As of July 2026, the <em>Fortune<\/em> team is not seeing CD rates over 5%.<\/p>\n<p>Interest rates generally fluctuate depending on changes in the federal funds rate. Banks are willing to offer higher CD rates when the federal rate is high because CDs are an ideal deposit product that are not liquidated easily the way that checking and savings accounts are.<\/p>\n<p>Given that the Federal Reserve made three consecutive cuts in 2025, it\u2019s not surprising that CD rates right now are under 5%. The rate has held for the latest several FOMC meetings, however\u2014including the latest on June 17, 2026\u2014at 3.50%-3.75%.<\/p>\n<p>It\u2019s still possible to find CD rates above 4.00%, so now could be an excellent time to pull the trigger if you\u2019re looking ahead at the chance of a future Fed rate cut later this year.\u00a0<\/p>\n<p>It\u2019s important to note that higher earning rates may be tied to longer CD terms. And, if you withdraw your funds before the term is up, you may incur early withdrawal penalties that forfeit a large portion of the accrued interest. Before you commit to a CD, make sure you can live without access to those funds for the designated time period.<\/p>\n<h2>Pros and cons of CDs<\/h2>\n<p>While CDs can be attractive for their high interest rates, they aren\u2019t a perfect fit for everyone. Let\u2019s review some of the pros and cons.<\/p>\n<h3>Advantages of certificates of deposit<\/h3>\n<p>CDs offer many advantages for savers, including higher APYs and fixed rates, which may offer greater returns over time. Additionally, CDs are offered in a variety of terms, making it a viable option for savers with short- and long-term goals.<\/p>\n<h3>Disadvantages of certificates of deposit<\/h3>\n<p>CDs don\u2019t offer the same liquidity as other savings accounts. Should you need to access your funds, you\u2019ll likely be charged a penalty for doing so. Additionally, your overall returns upon your CD\u2019s maturity date could be impacted if the inflation rate increases at a faster pace than your interest earnings.<\/p>\n<h2>Alternatives to CDs<\/h2>\n<p>CDs differ from other savings accounts in a few key ways. This type of account not only functions differently, but it may be better suited for a certain type of consumer who is saving for a goal with a specific timeline:\u00a0<\/p>\n<ul>\n<li>CDs don\u2019t offer the same level of access to your savings that a traditional savings account or MMA would. Once you agree to your CD term, your money will sit, untouched, and accrue interest for the duration of your term until your CD hits maturity. Making a withdrawal early would result in an early withdrawal penalty.\u00a0<\/li>\n<li>One of the major selling points for a CD account is that, typically, CDs offer a fixed APY at a higher rate than other types of savings vehicles. That means that you\u2019ll be able to take advantage of a higher rate for an extended period of time, and you\u2019ll have the peace of mind knowing that once you\u2019ve locked in your rate, your APY won\u2019t fluctuate during your term in response to external factors, such as federal funds rate increases.<\/li>\n<\/ul>\n<h3>CDs vs. high-yield savings accounts<\/h3>\n<p>High-yield savings accounts work in the same way as traditional savings accounts. It\u2019s a deposit account at a credit union or bank that you can use for saving and earning interest on your money\u2014usually at a higher rate. This type of savings account differs from CDs in that they offer greater access to your funds, rather than requiring you to lock away your funds for a set amount of time. As such, there\u2019s no penalty for making withdrawals.<\/p>\n<h3>CDs vs. money market accounts<\/h3>\n<p>Money market accounts function as a hybrid between savings accounts and checking accounts. Similar to CDs, these accounts typically offer much higher APYs than checking accounts, but may still offer some of the same features including check writing, debit card access, and the ability to make withdrawals and deposits via ATM. Like a CD, this type of account may also be of interest to savers who have the ability to make a larger opening deposit.\u00a0<\/p>\n<div><!--$!--><!--\/$--><\/div>\n<h2>Frequently asked questions<\/h2>\n<details><summary><span><h3>In which situation would a certificate of deposit (CD) be the best banking choice?<\/h3><svg><\/svg><\/span><\/summary>\n<p>A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won\u2019t need access to your money before your CD\u2019s maturity date.<\/p>\n<\/details>\n<details><summary><span><h3>Is now a good time to lock in a CD?<\/h3><svg><\/svg><\/span><\/summary>\n<p>While CD rates have dipped a bit from where they were before the Fed cut its benchmark rate in late 2025, CDs still offer a good opportunity to lock in an APY in a way that you can\u2019t with something like a savings account. If the Fed decides to cut rates down the road, you can expect the APY offered on most deposit accounts to drop again, so now may be a good time to stash your funds in CDs.<\/p>\n<\/details>\n<details><summary><span><h3>What is the minimum balance for a certificate of deposit?<\/h3><svg><\/svg><\/span><\/summary>\n<p>The minimum balance for a CD depends on your financial institution. The minimum may range from zero to thousands of dollars.\u00a0<\/p>\n<\/details>\n<details><summary><span><h3>Can you add money to a CD?<\/h3><svg><\/svg><\/span><\/summary>\n<p>When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \u201cadd-on\u201d CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you\u2019re allowed to make depend on the particular account.<\/p>\n<\/details>\n<details><summary><span><h3>Are CDs good during inflation?<\/h3><svg><\/svg><\/span><\/summary>\n<p>CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too.\u00a0<\/p>\n<p>For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you\u2019ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD.\u00a0<\/p>\n<p>Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.<\/p>\n<\/details>\n<details><summary><span><h3>Is it better to get a CD at a bank or at a credit union?<\/h3><svg><\/svg><\/span><\/summary>\n<p>As long as you meet the membership requirements needed to join a credit union and verify that the financial institutions you\u2019re considering are FDIC or NCUA members, both banks and credit unions offer similar products, including CDs. Rates will vary across the board.<\/p>\n<\/details>\n<details><summary><span><h3>Are short-term or long-term CD rates better?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Generally speaking, long-term CDs offer higher interest rates than short-term CDs\u2014think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs.\u00a0<\/p>\n<p>Overall, whether it\u2019s better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.<\/p>\n<\/details>\n<details><summary><span><h3>How often do current CD rates change?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no sooner than weekly, although some don\u2019t do so for months.<\/p>\n<\/details>\n<details><summary><span><h3>Is there such a thing as a 7% CD rate?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Some banks and credit unions occasionally offer rates that seem too good to be true, like 7% APY, such as what we saw in August 2023. However, these typically are only offered for a very short window of time and have unfavorable conditions on them, such as the certificate renewing automatically at the current rate at the time of maturity or capping on the amount deposited. As of this writing, we\u2019re not aware of CDs offering a 7% APY.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=3644\">Markets may have just experienced their second DeepSeek shock, this time thanks to a Chinese AI lab named after a Pink Floyd album<\/a><\/p>\n<\/details>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>If you\u2019re looking to earn interest that won\u2019t be negatively impacted by the market, a CD lets you lock in a set APY for its full term.<\/p>\n","protected":false},"author":1,"featured_media":3649,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-certificates-of-deposit-cds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crosscountrymovingteams.com\/?p=3656\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re looking to earn interest that won\u2019t be negatively impacted by the market, a CD lets you lock in a set APY for its full term.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/crosscountrymovingteams.com\/?p=3656\" \/>\n<meta property=\"og:site_name\" content=\"Cross Country Moving Team\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-18T04:40:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\"},\"headline\":\"Best certificates of deposit (CDs) for July 2026\",\"datePublished\":\"2026-07-18T04:40:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656\"},\"wordCount\":3750,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/3001b800b11484e6c2344400535b8aed.webp\",\"articleSection\":[\"Certificates of Deposit (CDs)\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656\",\"name\":\"Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/3001b800b11484e6c2344400535b8aed.webp\",\"datePublished\":\"2026-07-18T04:40:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#primaryimage\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/3001b800b11484e6c2344400535b8aed.webp\",\"contentUrl\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/3001b800b11484e6c2344400535b8aed.webp\",\"width\":1200,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?p=3656#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Best certificates of deposit (CDs) for July 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#website\",\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/\",\"name\":\"Cross Country Moving Team\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/#\\\/schema\\\/person\\\/1b8121bfb9a1c55d1fff3fca675fceaa\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"http:\\\/\\\/crosscountrymovingteams.com\"],\"url\":\"https:\\\/\\\/crosscountrymovingteams.com\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/crosscountrymovingteams.com\/?p=3656","og_locale":"en_US","og_type":"article","og_title":"Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team","og_description":"If you\u2019re looking to earn interest that won\u2019t be negatively impacted by the market, a CD lets you lock in a set APY for its full term.","og_url":"https:\/\/crosscountrymovingteams.com\/?p=3656","og_site_name":"Cross Country Moving Team","article_published_time":"2026-07-18T04:40:57+00:00","og_image":[{"width":1080,"height":320,"url":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/8e9f3aba4f2f8d605371cbc28d8246c6.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"19 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#article","isPartOf":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656"},"author":{"name":"admin","@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa"},"headline":"Best certificates of deposit (CDs) for July 2026","datePublished":"2026-07-18T04:40:57+00:00","mainEntityOfPage":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656"},"wordCount":3750,"commentCount":0,"image":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#primaryimage"},"thumbnailUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3001b800b11484e6c2344400535b8aed.webp","articleSection":["Certificates of Deposit (CDs)"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/crosscountrymovingteams.com\/?p=3656#respond"]}]},{"@type":"WebPage","@id":"https:\/\/crosscountrymovingteams.com\/?p=3656","url":"https:\/\/crosscountrymovingteams.com\/?p=3656","name":"Best certificates of deposit (CDs) for July 2026 - Cross Country Moving Team","isPartOf":{"@id":"https:\/\/crosscountrymovingteams.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#primaryimage"},"image":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#primaryimage"},"thumbnailUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3001b800b11484e6c2344400535b8aed.webp","datePublished":"2026-07-18T04:40:57+00:00","author":{"@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa"},"breadcrumb":{"@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/crosscountrymovingteams.com\/?p=3656"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#primaryimage","url":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3001b800b11484e6c2344400535b8aed.webp","contentUrl":"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3001b800b11484e6c2344400535b8aed.webp","width":1200,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/crosscountrymovingteams.com\/?p=3656#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/crosscountrymovingteams.com\/"},{"@type":"ListItem","position":2,"name":"Best certificates of deposit (CDs) for July 2026"}]},{"@type":"WebSite","@id":"https:\/\/crosscountrymovingteams.com\/#website","url":"https:\/\/crosscountrymovingteams.com\/","name":"Cross Country Moving Team","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/crosscountrymovingteams.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/crosscountrymovingteams.com\/#\/schema\/person\/1b8121bfb9a1c55d1fff3fca675fceaa","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50b1ad2e498f523425ee0a8cc5180a210646db1622662a3d56cc405d3e0c346a?s=96&d=mm&r=g","caption":"admin"},"sameAs":["http:\/\/crosscountrymovingteams.com"],"url":"https:\/\/crosscountrymovingteams.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts\/3656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3656"}],"version-history":[{"count":0,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/posts\/3656\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=\/wp\/v2\/media\/3649"}],"wp:attachment":[{"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crosscountrymovingteams.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}