Best CD Rates Today, Sept. 26, 2025: Up to 4.45% APY Still Available -- Lock In Before High Rates Disappear

The Fed's rate cut on Sept. 17 is already starting to ripple through CD offers. Some banks have trimmed their yields this week, and others may not be far behind.

If you've been thinking about opening a CD, don't wait too long. Locking in a fixed rate now lets you hold onto today's returns before they slip even further.

Here are some of the best CD rates still available today.

Featured offers

Best CD rates today, Sept. 26, 2025

All of the CDs listed here come from FDIC-insured banks, so your money is protected up to $250,000. The best choice really depends on two factors: how much you want to deposit and how long you're willing to leave it untouched.

If you'd like something shorter, LendingClub is offering 4.10% APY on a 8 Mo. CD, and you only need $500 to open. Want to secure a longer-term option? United Fidelity has a 5-year CD paying 4.30% APY with a $1,000 minimum deposit. Both are top picks.

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.

Should you open a CD right now?

Got extra cash you won't need for a while? A certificate of deposit (CD) could be a simple way to make it grow. CDs are built for money you can set aside -- whether that's for a few months or several years -- without touching it.

A CD could be a smart move if:

• You already have an emergency fund in a high-yield savings account that covers three to six months of expenses.
• Your retirement and other long-term goals are on track with investments like index funds or IRAs.
• You want steady, guaranteed growth instead of dealing with market ups and downs.

With fixed returns and FDIC protection up to $250,000, CDs offer safety and predictability. If you're looking for a low-risk place to park extra savings, now may be a good time to lock one in.

Example: Grow $25,000 into $25,736 in 8 months

The appeal of CDs is simple -- certainty. From the moment you open one, you'll know exactly what your balance will be when the term ends.

Take LendingClub's 8-month CD as an example. A $25,000 deposit would grow to about $25,736 by maturity. That's $736 in guaranteed earnings on a short timeline, with zero effort.

And with interest rates likely to drop again before the end of next year, locking in today's higher yield could put you ahead. Read our full LendingClub CD review to find out more and lock in your rate today.

How to open a CD in 5 easy steps

Getting started with a CD is quick -- and once it's funded, your money begins earning a fixed return right away. Here's the process:

1. Shop around. Compare rates from several banks. Online banks often have higher yields than traditional ones.
2. Choose your deposit. Most CDs don't let you add money later, and early withdrawals come with penalties. Pick an amount you can leave alone.
3. Apply. You can open a CD online or in person. Have your ID, Social Security number, and funding account info handy.
4. Fund the account. Transfer money from checking or savings. Your rate locks in once the deposit goes through.
5. Mark your calendar. Note the maturity date so you'll know when it's time to withdraw or roll it over.

That's it -- five simple steps to secure a safe, guaranteed return. Want to lock in today's best APYs before they fall? Click here to see the top CD rates available now.

Earn a top-tier APY while keeping your cash flexible

A high-yield savings account (HYSA) is a great way to earn more without giving up access to your money. Some of the best options today pay APYs that rival even top CD rates.

The main perk is flexibility -- you can move money in or out anytime, with no fees or waiting around.

The trade-off is that HYSA rates can change at any time. CDs, on the other hand, guarantee your rate for the entire term.

One clear standout now is Western Alliance Bank High-Yield Savings Premier. This account pays a top-tier 4.05% APY, which is right up there with the best CD rates.

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

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.

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.