{
  "id": 6129991,
  "title": "Best CD rates today, Monday, September 7, 2026: Lock in up to 4.35% APY",
  "url": "https://urgent.news/2026/09/07/best-cd-rates-today-monday-september-7-2026-lock-in-up-to-4-35-apy",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-07T10:00:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-monday-september-7-2026-lock-in-up-to-435-apy-100000332.html"
  },
  "original_language": "en",
  "account": "On Monday, September 7, 2026, the highest Certificate of Deposit (CD) rate available today is 4.35%, according to our verified partners. Marcus by Goldman Sachs is offering this rate on its 18-month CD. The current CD rates are notably higher than the national average, which is significantly lower. This trend is largely attributed to the Federal Reserve's decision to keep interest rates elevated in 2026 as they aim to combat inflation following three rate reductions in 2025.\n\nOnline banks and credit unions typically offer more competitive rates compared to traditional brick-and-mortar banks due to their lower operational costs. When considering a CD, it is crucial to select one with a high Annual Percentage Yield (APY) and a term length that aligns with your financial objectives.\n\nTo find the best CD rates, it's advisable to compare offers from various financial institutions and assess the terms of each option. Online platforms can facilitate easy comparisons of CD rates. Keep in mind that some CDs may have higher minimum deposit requirements, which should be considered alongside the interest rate.\n\nAdditional factors to consider include early withdrawal penalties and auto-renewal policies. No-penalty CDs are available for those who may need to access their funds before the CD's maturity date. Experts suggest that CD rates may continue to rise in 2026, as the Federal Reserve aims to maintain high interest rates to curb inflation.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}