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

Updated - First published on Sept. 13, 2025

James McClenathen

By: James McClenathen

Editorial Strategist

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

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.

Rates as of Sept. 11, 2026
EverBank CD Raisin

EverBank CD Raisin

APY:
4.10%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Raisin's Secure Website.

CIT Bank No-Penalty CD

CIT Bank No-Penalty CD

Member FDIC.
APY:
3.90%
Term:
11 Months
Min. Deposit:
$1,000
Open Account for

On CIT's Secure Website.

Best CD rates this week, Sept. 13, 2025

Bank Term APY Minimum Deposit
Climate First Bank 8 Months 4.54% $500
LendingClub 11 Months 4.20% $500
Marcus by Goldman Sachs 6 Months 4.40% $500
Brilliant Bank 9 Months 4.35% $1,000
United Fidelity Bank 60 Months 4.30% $1,000
Data source: Issuing banks. Rates are accurate as of Sept. 12, 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: Happen Bank's 11 Mo. CD pays 4.20% 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.

Rates as of Sept. 11, 2026
Happen Bank CD

Happen Bank CD

Member FDIC.
APY:
4.20%
Term:
11 Months
Min. Deposit:
$500
Read Review

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 4.15% APY, which is right up there with the best CDs.

Rates as of

NexBank High-Yield Savings Account from Raisin

Open Account for NexBank High-Yield Savings Account from Raisin

On Raisin's Secure Website.

Member FDIC.
4.70/5 Circle with letter I in it. 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
4.70/5 Circle with letter I in it. 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
Open Account for NexBank High-Yield Savings Account from Raisin

On Raisin's Secure Website.

Limited-Time Offer
Earn up to $1,000 when you sign up and fund your account using code STACK.
APY
4.15% Rate info Circle with letter I in it. Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate — currently 3.97% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees. See product terms for complete details.
Min. To Earn APY
$1
  • High APY
  • No monthly service fee
  • Unlimited ACH transfers
  • FDIC insured
  • Deposits and withdrawals can only be conducted via ACH transfer to/from an external bank account (limited to one linked external account)
  • No checking account offered through Raisin
  • No branch access; online only

Earn a 4.15% APY with a High-Yield Savings Account from NexBank (Member FDIC), powered by Raisin. NexBank has been a trusted institution in Texas for over 100 years. If maximizing yield is your priority and you don't need branch access, it's a solid pick.

New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more.

Multi-Product Boost: Customers eligible for the Base Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.

For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Multi-Product Boost eligibility is determined by your Base Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.

Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.

The Multi-Product Boost is optional and paid in addition to the Base Bonus. To qualify for the Base Bonus and Multi-Product Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Base Bonus and Multi-Product Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

Read Full Review

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

Account APY Bonus Next Steps
up to 4.00%
Rate info Circle with letter I in it. Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% 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#4. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
Earn $50 or $400 and +0.90% Boost on Savings APY with direct deposit. Terms apply. Circle with letter I in it.

Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% 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#4. SoFi Bank, N.A. Member FDIC.
3.50%
Rate info Circle with letter I in it. Balances less than $250,000 earn 3.50%, and balances greater than $250,000 earn 3.65%.
Min. to earn: $0
$200 Bonus with qualifying activities. Terms Apply Circle with letter I in it.

To earn a $200 bonus, new customers can open a savings account; deposit $25,000 or more within 30 days; and maintain at least that balance for 120 consecutive days. The bonus will be credited to your account within 60 days of meeting these requirements. Offer ends Oct. 31, 2026. Terms apply.
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

4.20% APY with $250+ in monthly deposits
Rate info Circle with letter I in it. *LevelUp Rate of 4.20% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs
Min. to earn:
N/A
Open Account for Happen Bank LevelUp Savings

On Happen Bank's Secure Website.

Disclaimers

https://www.happen.com/legal/deposits/levelup-savings-t-and-cs

FAQs

  • Rates are still among the best we've seen in years, but they may not stay this high for long. If the Fed cuts rates later this week as expected, new CDs will likely pay less. Locking in now means you keep today's return all the way through your CD's term.

  • Yes. Certificates of deposit are one of the safest places to keep your money. Your deposits are insured by the FDIC (or NCUA if you use a credit union) up to $250,000 per person, per bank. That means even if the bank fails, your money is protected.

  • You can, but there's usually a penalty. When you open a CD, you agree to leave your money in for a set time -- like 6 months or a year. If you need it before then, the bank will likely charge you some of the interest you've earned. That's why CDs are best for money you don't plan to touch right away.

Our Research Expert

James McClenathen
James McClenathen icon-button-linkedin-2x

James McClenathen is a full-time Managing Editor and Personal Finance Writer at Motley Fool Money, overseeing the production and quality of editorial content while also writing about credit cards, investing, and everyday money management. He has worked at The Motley Fool since 2012 and brings extensive experience as an editor, reporter, and finance expert. A graduate of the University of Michigan, James has spent more than a decade of his career helping readers make smarter financial decisions.