{"id":263,"date":"2025-09-22T10:07:25","date_gmt":"2025-09-22T10:07:25","guid":{"rendered":"http:\/\/www.capitalskips.com\/?p=263"},"modified":"2025-09-22T12:08:18","modified_gmt":"2025-09-22T12:08:18","slug":"cd-rates-today-september-22-2025-take-home-up-to-4-94","status":"publish","type":"post","link":"http:\/\/www.capitalskips.com\/index.php\/2025\/09\/22\/cd-rates-today-september-22-2025-take-home-up-to-4-94\/","title":{"rendered":"CD Rates Today: September 22, 2025 \u2013 Take Home Up To 4.94%"},"content":{"rendered":"<div class=\"key-takeaways-wrapper exclude-eds\">\n<h2 class=\"key-takeaways-wrapper__title\">Key Takeaways<\/h2>\n<div class=\"key-takeaways-content block-contents\">\n<ul>\n<li>Today&#8217;s highest CD rate is 4.94% for a jumbo 6-month CD.<\/li>\n<li>CD rates from online banks are commonly twice as high as the national average rates.<\/li>\n<li>CD ladders let you leverage high rates without locking up all of your money long-term.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>The best interest rates on CDs\u2014certificates of deposit\u2014pay up to 4.94% today, based on certificate term lengths. Here&#8217;s an overview of how CD rates are changing, followed by a guide to the current top CD rates across different terms.<\/p>\n<div id=\"embed-ui-widget-iframe-68d13349976f8-container\" style=\"width:100%;overflow:hidden\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;Embed UI Widget&quot;}\"><\/div>\n<h2 class=\"wp-block-heading\">Highest CD Rates Today by Term<\/h2>\n<p>!function(){&#8220;use strict&#8221;;window.addEventListener(&#8220;message&#8221;,(function(a){if(void 0!==a.data[&#8220;datawrapper-height&#8221;]){var e=document.querySelectorAll(&#8220;iframe&#8221;);for(var t in a.data[&#8220;datawrapper-height&#8221;])for(var r=0;r&lt;e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[&quot;datawrapper-height&quot;][t]+&quot;px&quot;;e[r].style.height=i}}}))}(); <\/p>\n<p>A CD is a kind of <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;savings account&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>savings account<\/a><\/span> with a fixed interest rate for a given term. You can access your principal and interest payments once the CD term expires; if you withdraw money before that time, you&#8217;ll incur an <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;early withdrawal penalty&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>early withdrawal penalty<\/a><\/span>. Traditionally, the longer a CD term, the higher the yield, but that dynamic hasn\u2019t held in recent years. Make sure you select a CD that matches up with when you&#8217;ll need the money.<\/p>\n<h2 class=\"wp-block-heading\">Average CD Rates<\/h2>\n<p>!function(){&#8220;use strict&#8221;;window.addEventListener(&#8220;message&#8221;,(function(a){if(void 0!==a.data[&#8220;datawrapper-height&#8221;]){var e=document.querySelectorAll(&#8220;iframe&#8221;);for(var t in a.data[&#8220;datawrapper-height&#8221;])for(var r=0;r&lt;e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[&quot;datawrapper-height&quot;][t]+&quot;px&quot;;e[r].style.height=i}}}))}(); <\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 3-Month CD Rates<\/h2>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Three-month CDs&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Three-month CDs<\/a><\/span> are a good option for short-term savings goals. The current average rate on a three-month CD sits at 1.32%, but the highest rate is 4.51%. The average rate is unchanged from a week ago.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 6-Month CD Rates<\/h2>\n<p>If you&#8217;re interested in a short-term CD with high yields, consider a <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;six-month CD&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>six-month CD<\/a><\/span>. The best rate today is 4.94%. The current average <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;APR&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>APR<\/a><\/span> for a six-month CD is 1.82%, about the same as last week.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 1-Year CD Rates<\/h2>\n<p>The highest interest rate currently available on a 12-month CD\u2014one of the most popular CD terms\u2014is 4.84%. If you land a rate in that neighborhood, you&#8217;re getting a good deal. That rate hasn&#8217;t changed much since last week.<\/p>\n<p>The average APY, or annual percentage yield, on a one-year CD is now 1.84%, unchanged from a week ago.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 2-Year CD Rates<\/h2>\n<p>If you can hold out for two years, <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;2-year CDs&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>2-year CDs<\/a><\/span> today are being offered at interest rates as high as 4.4%. The top rate last week was 4.52%.<\/p>\n<p>The average APY for the CD is 1.65%, flat to last week&#8217;s average.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 3-Year CD Rates<\/h2>\n<p>Today&#8217;s highest rate on a <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;three-year CD&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>three-year CD<\/a><\/span> is 4.26%, so you&#8217;ll want to shop around for that rate or something near it. The average APY stands at 1.57%.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s 5-Year CD Rates<\/h2>\n<p>The highest rate available today for a <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;five-year CD&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>five-year CD<\/a><\/span> is 4.26%. The average APY is 1.58%, similar to last week.<\/p>\n<p>If you opt for a five-year CD, make sure you&#8217;re aware of the early withdrawal penalty. It&#8217;s not unusual to <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;lose one full year&#039;s worth of interest or more&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>lose one full year&#8217;s worth of interest or more<\/a><\/span> if you break open a five-year CD before it matures.<\/p>\n<h2 class=\"wp-block-heading\">Today&#8217;s Jumbo CD Rates<\/h2>\n<p>The best rate today on <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;jumbo CDs&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>jumbo CDs<\/a><\/span> is 4.94% for a 6-month term. As with non-jumbo, various term lengths are available. The average APY for the 6-month CD is currently 1.86%.<\/p>\n<p>Most jumbo CDs require a minimum deposit of $100,000\u2014and some even require $250,000. However, there&#8217;s no universally agreed-upon definition regarding what qualifies as a &#8220;jumbo&#8221; CD. Some banks and credit unions slap the label &#8220;jumbo&#8221; on CDs you can open with $50,000, $25,000 or even less.<\/p>\n<h2 class=\"wp-block-heading\">Other Top CD Rates by Term<\/h2>\n<ul>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best 4-Year CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best 4-Year CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best 10-Year CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best 10-Year CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best 18-Month CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best 18-Month CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best Jumbo CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best Jumbo CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best IRA CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best IRA CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Best No-Penalty CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Best No-Penalty CD Rates<\/a><\/span><\/li>\n<\/ul>\n<p><strong>Related:<\/strong> <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;CD Interest Rates Forecast: How Good Will They Get?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>CD Interest Rates Forecast: How Good Will They Get?<\/a><\/span><\/p>\n<h2 class=\"wp-block-heading\">Best CD Rates Offered by Banks in September 2025<\/h2>\n<p>Digital banks tend to have an edge over traditional outfits thanks to lower overhead costs and the need to offer top-of-market yields to attract new customers.<\/p>\n<p>Take Chase Bank (traditional), Capital One (hybrid) and Synchrony Bank (online).<\/p>\n<ul>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Chase Bank CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Chase Bank CD Rates<\/a><\/span> range from 0.02% to 4.00%<\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Capital One 360 CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Capital One 360 CD Rates<\/a><\/span> range from 3.50% to 4.00%<\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Synchrony Bank CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Synchrony Bank CD Rates<\/a><\/span> range from 0.25% to 4.25%<\/li>\n<\/ul>\n<p>Be sure to compare a few options with the types of banks you&#8217;re most comfortable with.<\/p>\n<p>Other top CD rates by banks include:<\/p>\n<ul>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;PNC Bank CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>PNC Bank CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Citibank CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Citibank CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Wells Fargo CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Wells Fargo CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Truist CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Truist CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Ally Bank CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Ally Bank CD Rates<\/a><\/span><\/li>\n<li><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Capital One 360 CD Rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Capital One 360 CD Rates<\/a><\/span><\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">How To Open a CD<\/h2>\n<p>CDs are a relatively simple savings tool: You open an account with a deposit (your principal), let your money sit for a predetermined period of months or years while you enjoy the magic of <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;compounding interest&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>compounding interest<\/a><\/span>.<\/p>\n<p>Many CDs (as well as share certificates offered by credit unions) require a minimum deposit (typically less than $10,000 unless it\u2019s a jumbo CD) to open your account. Some financial institutions allow you to fund an account with as little as a penny.<\/p>\n<p>But banks and credit unions typically won&#8217;t allow you to add to your deposit once the term begins and the clock starts ticking. And they&#8217;re serious about not letting you crack open your CD or share certificate too soon. Early withdrawal penalties can be so tough that they&#8217;ll eat into your principal, not just take back some of your interest.<\/p>\n<h2 class=\"wp-block-heading\">Are CD Rates Worth It?<\/h2>\n<p>CDs typically pay higher interest than other savings vehicles, even the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;best high-yield savings accounts&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>best high-yield savings accounts<\/a><\/span> and <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;money market accounts&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>money market accounts<\/a><\/span>. And while they may not offer the kind of enviable returns that are possible with stocks, CDs beat the more attention-getting investments in one regard: They&#8217;re one of the safest places to put your money.<\/p>\n<p>Investors lost millions in the 2022 crypto crash, and putting your money into the stock market, real estate or gold and other commodities can be risky, too. But when you buy a certificate of deposit or credit union share certificate from a federally insured financial institution, you can sleep easily with the knowledge that your investment is protected.<\/p>\n<p>The Federal Deposit Insurance Corp. provides you with up to $250,000 in coverage in the event the bank issuing your CD ever fails. For share certificates purchased from federal credit unions and most state-chartered credit unions, the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;National Credit Union Administration&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>National Credit Union Administration<\/a><\/span> insures your money up to the same limit.<\/p>\n<div class=\"blockquote blockquote-wrapper block-contents\">\n<p>Traditional brick-and-mortar banks have far greater operating expenses than banks that only exist online. That&#8217;s why online banks are usually able to offer more attractive APYs on CDs &#8211; they have lower overhead costs, so they can afford to pay higher interest rates to customers.<\/p>\n<\/div>\n<p><strong>Related:<\/strong> <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;CD Interest Rates Forecast: How Good Will They Get?&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>CD Interest Rates Forecast: How Good Will They Get?<\/a><\/span><\/p>\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n<p>Curinos determines the average rates for certificates of deposit (CDs) by focusing on specific CDs and excluding others. Certain types, such as promotional offers, relationship-based rates, private, youth, senior, student\/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs are not considered in the calculation.<\/p>\n<div id=\"cta-builder\" class=\"cta-builder exclude-eds default dark-mode\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Find The Best CD Rates Of 2025&quot;,&quot;componentType&quot;:&quot;CTA Builder&quot;}\">\n<div class=\"cta-builder__wrap \" data-ecom-product=\"{&quot;itemId&quot;:&quot;&quot;,&quot;itemName&quot;:&quot;Find The Best CD Rates Of 2025&quot;,&quot;itemBrand&quot;:&quot;&quot;,&quot;itemCategory&quot;:&quot;Banking&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0}\">\n<div class=\"left\">\n<h2 class=\"cta-builder__title\">Find The Best CD Rates Of 2025<\/h2>\n<p class=\"cta-builder__desc\">\n<\/div>\n<div class=\"right\">\n\t\t\t<a href=\"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/\" class=\"cta-builder__btn cta-builder-button\" data-nofollow=\"false\" data-component=\"Default with Blue Background\" data-cta-placement=\"Button Link\" style=\"background-color:#13B698\" data-trellis-widget-wrapper-id=\"68d1334adb906\" data-ecom-link=\"{&quot;clickText&quot;:&quot;Learn More&quot;,&quot;clickCat&quot;:&quot;Primary&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/&quot;,&quot;clickType&quot;:&quot;internal&quot;}\"><br \/>\n\t\t\t\t<span>Learn More<\/span><br \/>\n\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<\/div>\n<h2 class=\"faq-title\" id=\"\">\n\tFrequently Asked Questions (FAQs)<br \/>\n<\/h2>\n<div class=\"main-faqs\">\n<div class=\"faqs\">\n<div class=\"faq-question\">\n<div class=\"plus-minus\"><\/div>\n<h3 class=\"question-text\">How do you build a CD ladder?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>You build a <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;CD ladder&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>CD ladder<\/a><\/span> by saving your money in multiple CDs with cascading term lengths. For instance, you might buy a one-year CD, a two-year CD, a three-year CD, a four-year CD and a five-year CD. As each of the shorter-term CDs matures, you replace it with a new five-year CD.<\/p>\n<p>Follow this plan and you&#8217;ll have one better-yielding five-year CD maturing each year. If you&#8217;re ever having a bad year, you could take some of the cash from the expiring CD and use it to pay bills instead of pouring it all into a fresh CD.<\/p>\n<p>Comparison shop to track down the <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;best CD rates&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>best CD rates<\/a><\/span>. Banks and credit unions compete by offering alluring yields to land your business, so shopping around is a must before you purchase any bank CD or credit union share certificate.<br \/>.<\/p>\n<\/div>\n<\/div>\n<div class=\"faqs\">\n<div class=\"faq-question\">\n<div class=\"plus-minus\"><\/div>\n<h3 class=\"question-text\">Do CDs cost anything?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>CDs usually come with zero fees, meaning your money won&#8217;t be nibbled at by the monthly maintenance fees that are typical with many savings, checking and money market accounts.<\/p>\n<p>You will likely be charged an early withdrawal penalty if you end your CD term early. Make sure you won&#8217;t need access to your cash in the meantime.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Today&#8217;s highest CD rate is 4.94% for a jumbo 6-month CD. CD rates from online banks are commonly twice as high as the national average rates. CD ladders let you leverage high rates without locking up all of your money long-term. The best interest rates on CDs\u2014certificates of deposit\u2014pay up to 4.94% today, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":265,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/263"}],"collection":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/comments?post=263"}],"version-history":[{"count":1,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/263\/revisions"}],"predecessor-version":[{"id":264,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/263\/revisions\/264"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/media\/265"}],"wp:attachment":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/media?parent=263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/categories?post=263"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/tags?post=263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}