Best CD rates today, Monday, September 14, 2026: Lock in up to 4.35% APY

On Monday, September 14, 2026, the best CD rate available is 4.35%, according to Marcus by Goldman Sachs' 18-month CD. This high rate is notable, as the national average sits at a significantly lower 1.71%. Online banks and credit unions typically offer more competitive rates compared to traditional brick-and-mortar banks. The Federal Reserve's efforts to curb inflation by maintaining elevated interest rates have contributed to the rise in CD rates, making it an opportune time to invest in a certificate of deposit (CD).

When looking for the best CD rates, consider factors such as interest rates, minimum deposit requirements, early withdrawal penalties, and auto-renewal policies. Online banks often provide the most competitive rates due to lower overhead costs. Evaluate CD rates from multiple financial institutions before making a decision, and consider the length of the term based on your financial goals.