Looking for the highest CD rates? Check out today’s top rates and where to find high-yield CDs with the best rates available. CD rates are beginning to decline due to the Fed’s decision, but some banks still offer competitive rates, reaching about 4% APY for shorter terms. The highest CD rate as of September 26, 2025, is 4.45% APY offered by LendingClub on its 8-month CD.

Compared to national averages, today’s top CD rates are much higher, emphasizing the importance of shopping around before opening an account. Online banks and neobanks offer higher interest rates on deposit accounts, including CDs, due to lower overhead costs. Credit unions are also worth considering for competitive CD rates.

CDs are a safe savings option backed by federal insurance, but early withdrawal penalties apply. If you need flexible access to funds, consider high-yield savings or money market accounts. While today’s CD rates are high historically, they may not match market returns for long-term goals like retirement. Consider your savings goals before investing in a CD.

Read more at Yahoo Finance: Best CD rates today, September 26, 2025 (up to 4.45% APY return)