Lock in a competitive CD rate before further rate cuts. Best rates on shorter terms, particularly from online banks and credit unions. The highest CD rate as of September 20, 2025, is 4.45% APY from LendingClub. Consider APY and compounding frequency for potential earnings. More deposit equals more interest earned. Explore different types of CDs beyond traditional for added benefits.

Read more at Yahoo Finance: Best CD rates today, September 20, 2025 (best account provides 4.45% APY)