{
  "id": 7760281,
  "title": "Best CD rates today, Wednesday, September 16, 2026: Earn up to 4.40% APY with Happen Bank",
  "url": "https://urgent.news/2026/09/16/best-cd-rates-today-wednesday-september-16-2026-earn-up-to-4-40-apy",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-16T10:00:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-wednesday-september-16-2026-earn-up-to-440-apy-with-happen-bank-100000125.html"
  },
  "original_language": "en",
  "account": "As of September 16, 2026, the highest CD rate available is 4.40% APY, offered by Happen Bank on its 2-year certificate of deposit. This is a significant rate compared to traditional savings accounts. Currently, short-term CDs (6-12 months) generally provide 4% to 4.5% APY. Historically, CD rates have fluctuated based on economic conditions. For instance, after the 2008 financial crisis, one-year CDs paid around 1% APY, while five-year CDs were under 2% APY. However, between 2015 and 2018, the Federal Reserve's gradual rate increases led to slight improvements in CD rates. The COVID-19 pandemic caused CD rates to drop to record lows, but they began to rise again following the Fed's decision to increase rates in 2022. As of 2025, CD rates have started to decline, yet they remain relatively high compared to historical standards. When considering a CD, factors beyond interest rates should be taken into account, such as term length, financial institution type, account terms, and inflation.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 9,
    "also_reported_by": [
      {
        "outlet": "Japan Times",
        "title": "Japan’s pork and egg prices surge as inflation continues to bite",
        "url": "https://urgent.news/2026/09/16/japans-pork-and-egg-prices-surge-as-inflation-continues-to-bite",
        "published": "2026-09-16T05:23:00.000Z"
      },
      {
        "outlet": "New Straits Times",
        "title": "Bank of Japan set to raise rates under pressure from inflation, US",
        "url": "https://urgent.news/2026/09/16/bank-of-japan-set-to-raise-rates-under-pressure-from-inflation-us",
        "published": "2026-09-16T06:22:31.000Z"
      },
      {
        "outlet": "Malay Mail",
        "title": "Bank of Japan poised to raise rates to 1.25pc amid inflation, weak yen",
        "url": "https://urgent.news/2026/09/16/bank-of-japan-poised-to-raise-rates-to-1-25pc-amid-inflation-weak-yen",
        "published": "2026-09-16T06:23:24.000Z"
      },
      {
        "outlet": "Straits Times Business",
        "title": "Bank of Japan set to raise rates under pressure from inflation, US",
        "url": "https://urgent.news/2026/09/16/bank-of-japan-set-to-raise-rates-under-pressure-from-inflation-us-7736915",
        "published": "2026-09-16T07:55:00.000Z"
      },
      {
        "outlet": "FXStreet",
        "title": "Norwegian Krone: Norges Bank weighs inflation and growth – Commerzbank",
        "url": "https://urgent.news/2026/09/16/norwegian-krone-norges-bank-weighs-inflation-and-growth-commerzbank",
        "published": "2026-09-16T08:16:01.000Z"
      },
      {
        "outlet": "Winnipeg Free Press",
        "title": "UK inflation rises to 5-month high, further pressuring Bank of England to raise rates this year",
        "url": "https://urgent.news/2026/09/16/uk-inflation-rises-to-5-month-high-further-pressuring-bank-of-england",
        "published": "2026-09-16T10:10:48.000Z"
      },
      {
        "outlet": "Yahoo Finance",
        "title": "Gold price today, Wednesday, September 16, 2026: Gold holds in the $4,300 range, awaiting the Fed's decision",
        "url": "https://urgent.news/2026/09/16/gold-price-today-wednesday-september-16-2026-gold-holds-in-the-4-300",
        "published": "2026-09-16T10:40:38.000Z"
      },
      {
        "outlet": "Fortune",
        "title": "Current price of oil as of September 16, 2026",
        "url": "https://urgent.news/2026/09/16/current-price-of-oil-as-of-september-16-2026",
        "published": "2026-09-16T11:15:00.000Z"
      }
    ]
  },
  "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."
}