Best CD Rates This Week, Sept. 13, 2025: With Rate Cuts Looming, Lock In up to 4.54% APY Now

CD rates have stayed high for most of the year -- but that run could be coming to an end. The Fed's next meeting wraps up in just a few days, and a rate cut seems all but guaranteed.

That means this might be your last chance to lock in a top CD rate before they start to drop. A CD can help you hold onto today's higher yields and grow your savings at a fixed rate for the months or years ahead.

Here are some of the best CD rates you can get this week.

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Best CD rates this week, Sept. 13, 2025

Every CD on our list is offered by an FDIC-insured bank, which means your money is protected up to $250,000. The best fit for you depends on two things: how much you want to deposit and how long you're comfortable locking it away.

If you'd rather keep things short, Climate First Bank is paying 4.54% APY on an 8-month CD with just a $500 minimum. Looking for something steadier over the long haul? United Fidelity's 5-year CD comes in at 4.30% APY with a $1,000 minimum.

Featured CD: LendingClub's 8 Mo. CD pays 4.15% APY and has a $500 minimum deposit. It's long enough to protect your savings from inflation and potential rate cuts, yet short enough to keep your cash within reach.

Is a CD the right move for you now?

If you've got some cash you won't need right away, a certificate of deposit (CD) could be a smart way to grow it. CDs are designed for money you can set aside for a while -- whether that's a few months or a few years -- without dipping into it.

You might want to open a CD if:

• You've already built an emergency fund (three to six months of expenses) in a high-yield savings account.
• You're already on track with long-term goals like retirement and using investments like index funds or IRAs to get there.
• You want stable, no-surprises growth and don't want to ride the ups and downs of the stock market.

CDs come with fixed returns and are protected by FDIC insurance. So if you're looking for a low-risk place to stash your savings, opening a CD now could be a smart, stress-free move.

Example: How $25,000 can grow to $30,857

With a CD, there's no guessing game -- you know exactly what your balance will be when the term ends.

For instance, a $25,000 deposit in United Fidelity's 60-month CD would turn into about $30,857 after five years. That's $5,857 in guaranteed earnings, all without lifting a finger.

And if rates drop between now and 2030, you'll be glad you locked in today's higher return while it was available.

Open a CD in just 5 steps

Opening a CD doesn't take much time -- and it could help your savings grow faster. Here's how to get started:

1. Compare rates. Start by looking at CD rates across multiple banks. Online banks often have some of the highest yields, so don't overlook them when you shop around.
2. Choose your deposit. Most CDs don't allow you to add funds later, and early withdrawals usually come with penalties. Pick an amount you're comfortable leaving untouched for the entire term.
3. Open the CD. You can apply online or visit a branch in person. Have your basics ready -- like your ID, Social Security number, and account info for funding.
4. Transfer your money. Move funds from a checking or savings account into your new CD. Once the transfer is complete, your rate and term are locked in.
5. Remember your maturity date. Set a reminder for when your CD ends. That's when you'll decide whether to cash out or roll your savings into a new CD.

That's all it takes -- five quick steps to secure a strong, fixed return. Want in? Click here to see today's best CD rates.

Earn more without locking up your cash

High-yield savings accounts (HYSAs) are a smart way to grow your money while keeping it within reach. Some of the top accounts today are offering APYs that rival even the best CDs.

What makes them stand out? You can move money in or out anytime -- no penalties, no waiting.

Just keep in mind: HYSA rates aren't guaranteed. They can go up or down without warning, unlike CDs, which lock in your rate for the full term.

One clear standout now is NexBank High-Yield Savings Account from Raisin. This top-rated account pays 3.92% APY, which is right up there with the best CDs.

Our Picks for the Best High-Yield Savings Accounts of 2026

Account	APY	Bonus	Next Steps
Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC. 4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	up to 3.80% Rate info Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. Min. to earn: $0	Earn $50 or $400 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.	Open Account for SoFi Checking and Savings On SoFi's Secure Website.
Open Account for CIT Platinum Savings On CIT's Secure Website. Member FDIC. 4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	up to 4.10%* Rate info 4.10%* APY for balances of $5,000 or more; otherwise, 0.60%* APY Min. to earn: $5,000	Earn up to 4.10% APY with promo code CITBoost With the 6 month Boost limited-time offer, you earn 4.10%* APY on balances over $5,000 (balances less than $5,000 earn 0.60%* APY). After the boost is complete you will continue to earn standard rates -- 3.75% APY for balances over $5,000 (balances less than $5,000 earn 0.25% APY). The minimum to open a Platinum Savings account is $100. Member FDIC. No monthly service fees.	Open Account for CIT Platinum Savings On CIT's Secure Website.
Open Account for EverBank Bank High-Yield Savings Account from Raisin On Raisin's Secure Website. Member FDIC.	4.10% Rate info Earn a guaranteed 4.10% APY for 90 days. After that, your savings keep growing at a competitive standard rate -- currently 3.95% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees. Min. to earn: $1	NEW CUSTOMER BONUS: Earn up to $1,200 with code SUMMER26 at sign-up. New customers: earn up to $1,200 in cash bonuses when you open a savings account through the Raisin platform with code SUMMER26 and make a qualifying deposit within 14 days of your first deposit. Bonuses are tiered. To receive the bonus, deposits must be maintained for 90 days.	Open Account for EverBank Bank High-Yield Savings Account from Raisin On Raisin's Secure Website.

Disclaimers

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

* Platinum Savings APY Boost Promotion Terms and Conditions

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

For complete list of account details and fees, see our Personal Account disclosures.

CIT General Disclosure

For complete list of account details and fees, see our Personal Account disclosures. https://www.cit.com/cit-bank/resources/forms