{
  "id": 9311641,
  "title": "Best CD rates today, Wednesday, September 23, 2026: Earn up to 4.40% APY with Happen Bank",
  "url": "https://urgent.news/2026/09/23/best-cd-rates-today-wednesday-september-23-2026-earn-up-to-4-40-apy",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-23T10:00:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/banking/article/best-cd-rates-today-wednesday-september-23-2026-earn-up-to-440-apy-with-happen-bank-100000312.html"
  },
  "original_language": "en",
  "account": "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.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Yahoo Finance",
        "title": "Mortgage and refinance interest rates today, Wednesday, September 23, 2026: Fixed rates find more room to fall",
        "url": "https://urgent.news/2026/09/23/mortgage-and-refinance-interest-rates-today-wednesday-september-23",
        "published": "2026-09-23T10:00:00.000Z"
      }
    ]
  },
  "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."
}