Best CD rates today, Tuesday, September 22, 2026: Lock in up to 4.40% APY
As of Tuesday, September 22, 2026, the top CD rate available is 4.40% APY, offered by Happen Bank for a 2-year CD. CD rates have been rising due to recent Federal Reserve rate hikes, and currently, CDs offer significantly higher returns compared to traditional savings accounts. While short-term CDs (6-12 months) generally offer around 4% APY, longer-term CDs have historically yielded higher interest rates, but this trend has flattened or inverted in the current economic climate, with the highest rate now for a 12-month term.
Factors such as your goals, financial institution, account terms, and inflation should be considered when choosing a CD.
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