Best CD rates today, Friday, September 4, 2026: Up to 4.35% APY return available with 18-month CD

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If you're looking for a secure place to store your savings, a certificate of deposit (CD) may be a great choice. These accounts often provide higher interest rates than traditional checking and savings accounts. However, CD rates can vary widely. Learn more about CD rates today and where to find high-yield CDs with the best rates available. Here is a look at some of the best CD rates available today from our verified partners:

Today's CD rates vary quite a bit. In general, however, CD rates have been declining for quite some time due to the Fed's decision to cut its benchmark rate three times in the latter part of 2024 and three times in 2025. Even so, with the Fed leaving rates unchanged so far in 2026, some banks are still offering competitive CD rates.

For institutions offering competitive rates, top rates reach about 4% APY. This is especially true for shorter terms of one year or less.

Today, Friday, September 4, 2026 , the highest CD rate is 4.35% . Marcus by Goldman Sachs offers it on its 18-month CD.

Compare these rates to the national average as of August 2026 (the most recent data available from the FDIC ):

Compared with today's top CD rates, national averages are much lower. This highlights the importance of shopping around for the best CD rates before opening an account .

Online banks and neobanks are financial institutions that operate solely via the web. That means they have lower overhead costs than traditional brick-and-mortar banks. As a result, they're able to pass those savings on to their customers in the form of higher interest rates on deposit accounts (including CDs) and lower fees. If you're looking for the best CD rates available today, an online bank is a great place to start.