Best CD rates today, Saturday, September 19, 2026: Lock in up to 4.40% APY with a 2-year CD

On Saturday, September 19, 2026, the best certificate of deposit (CD) rate available is 4.40%, offered by Happen Bank for a 2-year CD. CD rates have been relatively stable in 2026 as the Federal Reserve has kept interest rates unchanged. Online banks and credit unions typically provide the highest CD rates. The annual percentage yield (APY) determines the total interest earned over one year, considering both the base interest rate and compounding frequency.

For instance, a $1,000 investment in a one-year CD with a 4% APY, compounded monthly, would yield a balance of $1,040.74 after a year. Various CD types are available, including bump-up CDs, no-penalty CDs, jumbo CDs, brokered CDs, and CDs with shorter terms like 6-month and 18-month CDs. When selecting a CD, consider both the interest rate and features like flexibility and fees.