Best CD rates today, Wednesday, September 23, 2026: Earn up to 4.40% APY with Happen Bank
Today, Wednesday, September 23, 2026, the highest CD rate available is 4.40% APY, offered by Happen Bank on its 2-year CD. CD rates have been trending upward due to a recent rate hike by the Federal Reserve, reaching around 4% APY. Short-term CDs (6-12 months) generally provide rates around 4% to 4.5% APY. Online banks and credit unions often offer the most competitive CD yields.
When deciding to open a CD, it's essential to consider factors like interest rates, financial goals, and liquidity needs. For instance, if you anticipate needing access to your money before the CD term ends, a high-yield savings account might be a better choice.
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