Best CD rates today, Friday, September 11, 2026: Up to 4.35% APY return available with 18-month CD

Best CD rates available today range from 4.35% APY to significantly lower national averages. CD rates have been on a decline since the Fed cut its benchmark rate multiple times in 2024 and 2025, but remain competitive even with unchanged rates in 2026. Marcus by Goldman Sachs offers the highest rate of 4.35% on its 18-month CD. Online banks and credit unions, being digital-only institutions with lower overhead costs, offer higher interest rates compared to traditional brick-and-mortar banks.

While CDs provide safety and federal insurance, they lock in interest rates for a set term, penalizing early withdrawals. They may not yield as much as market investments, making them ideal for short-term or stable savings goals.