Best CD rates today, Tuesday, September 8, 2026: Lock in up to 4.35% APY

On Tuesday, September 8, 2026, the highest CD rate available is 4.35% APY, offered by Marcus by Goldman Sachs on its 18-month CD. CD rates today offer a significant return compared to traditional savings accounts, with short-term CDs (six to 12 months) generally providing rates around 4% APY. The 2000s saw relatively higher CD rates, but they began to fall with the global financial crisis of 2008.

By 2009, average one-year CDs paid around 1% APY, and five-year CDs at less than 2% APY. CD rates started to improve in 2015-2018 as the Federal Reserve gradually increased rates following the pandemic. However, CD rates remained high in September 2024 as the Federal Reserve began cutting the federal funds rate after inflation was deemed under control.