{"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":"
The best interest rates on CDs\u2014certificates of deposit\u2014pay up to 4.94% today, based on certificate term lengths. Here’s an overview of how CD rates are changing, followed by a guide to the current top CD rates across different terms.<\/p>\n
!function(){“use strict”;window.addEventListener(“message”,(function(a){if(void 0!==a.data[“datawrapper-height”]){var e=document.querySelectorAll(“iframe”);for(var t in a.data[“datawrapper-height”])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); <\/p>\n
A CD is a kind of 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’ll incur an 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’ll need the money.<\/p>\n !function(){“use strict”;window.addEventListener(“message”,(function(a){if(void 0!==a.data[“datawrapper-height”]){var e=document.querySelectorAll(“iframe”);for(var t in a.data[“datawrapper-height”])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}(); <\/p>\n 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 If you’re interested in a short-term CD with high yields, consider a six-month CD<\/a><\/span>. The best rate today is 4.94%. The current average APR<\/a><\/span> for a six-month CD is 1.82%, about the same as last week.<\/p>\n 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’re getting a good deal. That rate hasn’t changed much since last week.<\/p>\n The average APY, or annual percentage yield, on a one-year CD is now 1.84%, unchanged from a week ago.<\/p>\n If you can hold out for two years, 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 The average APY for the CD is 1.65%, flat to last week’s average.<\/p>\n Today’s highest rate on a three-year CD<\/a><\/span> is 4.26%, so you’ll want to shop around for that rate or something near it. The average APY stands at 1.57%.<\/p>\n The highest rate available today for a five-year CD<\/a><\/span> is 4.26%. The average APY is 1.58%, similar to last week.<\/p>\n If you opt for a five-year CD, make sure you’re aware of the early withdrawal penalty. It’s not unusual to lose one full year’s worth of interest or more<\/a><\/span> if you break open a five-year CD before it matures.<\/p>\n The best rate today on 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 Most jumbo CDs require a minimum deposit of $100,000\u2014and some even require $250,000. However, there’s no universally agreed-upon definition regarding what qualifies as a “jumbo” CD. Some banks and credit unions slap the label “jumbo” on CDs you can open with $50,000, $25,000 or even less.<\/p>\n Related:<\/strong> CD Interest Rates Forecast: How Good Will They Get?<\/a><\/span><\/p>\n 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 Take Chase Bank (traditional), Capital One (hybrid) and Synchrony Bank (online).<\/p>\n Be sure to compare a few options with the types of banks you’re most comfortable with.<\/p>\n Other top CD rates by banks include:<\/p>\n 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 compounding interest<\/a><\/span>.<\/p>\n 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 But banks and credit unions typically won’t allow you to add to your deposit once the term begins and the clock starts ticking. And they’re serious about not letting you crack open your CD or share certificate too soon. Early withdrawal penalties can be so tough that they’ll eat into your principal, not just take back some of your interest.<\/p>\n CDs typically pay higher interest than other savings vehicles, even the best high-yield savings accounts<\/a><\/span> and 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’re one of the safest places to put your money.<\/p>\n 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 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 National Credit Union Administration<\/a><\/span> insures your money up to the same limit.<\/p>\n Traditional brick-and-mortar banks have far greater operating expenses than banks that only exist online. That’s why online banks are usually able to offer more attractive APYs on CDs – they have lower overhead costs, so they can afford to pay higher interest rates to customers.<\/p>\n<\/div>\n Related:<\/strong> CD Interest Rates Forecast: How Good Will They Get?<\/a><\/span><\/p>\n 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 \n<\/div>\nAverage CD Rates<\/h2>\n
Today’s 3-Month CD Rates<\/h2>\n
Today’s 6-Month CD Rates<\/h2>\n
Today’s 1-Year CD Rates<\/h2>\n
Today’s 2-Year CD Rates<\/h2>\n
Today’s 3-Year CD Rates<\/h2>\n
Today’s 5-Year CD Rates<\/h2>\n
Today’s Jumbo CD Rates<\/h2>\n
Other Top CD Rates by Term<\/h2>\n
\n
Best CD Rates Offered by Banks in September 2025<\/h2>\n
\n
\n
How To Open a CD<\/h2>\n
Are CD Rates Worth It?<\/h2>\n
Methodology<\/h2>\n
Find The Best CD Rates Of 2025<\/h2>\n
\n\t\t\t\tLearn More<\/span>
\n\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<\/div>\n\n\tFrequently Asked Questions (FAQs)
\n<\/h2>\nHow do you build a CD ladder?<\/h3>\n<\/div>\n