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 4.10% 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 4.12% APY, which is right up there with the best CDs.

Our Picks for the Best High-Yield Savings Accounts of 2025

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 4.30% Rate info Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. Min. to earn: $0	Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates 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. 4.60/5 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	3.85% Rate info 3.85% APY for balances of $5,000 or more; otherwise, 0.25% APY Min. to earn: $5,000	Earn a bonus of up to $300 after a one-time deposit of $25,000+ This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms: https://www.cit.com/cit-bank/platinum-savings/PS2025	Open Account for CIT Platinum Savings On CIT's Secure Website.
Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Member FDIC. 4.40/5 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	4.05% Rate info The annual percentage yield (APY) is accurate as of November 6, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn: $500 to open, $0.01 for max APY	N/A	Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank'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 September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% 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 September 15, 2025.

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

The annual percentage yield (APY) is accurate as of November 6, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

Accurate as of the time of publication. The national average rate referenced is from the FDIC's published National Rates and Rate Caps for Savings deposit products, accurate as of October 20, 2025. See the website for more information.