4.30% APY
7 months
N/A
$500
Genisys Credit Union stands out as the top choice because it offers a competitive 4.30% APY on its 7-month CD, making it an attractive option for savers looking for short-term investments with solid returns.
Pros:
- High APY
- Minimum deposit is low
Cons:
- Non-renewable specials
4.50% APY
24 months
N/A
$500
What sets Tower Federal Credit Union apart is its 4.50% APY on a 24-month CD, which is particularly appealing for those looking to invest for a longer term while still enjoying a competitive rate.
Pros:
- Higher APY than many competitors
- No maximum deposit limit
Cons:
- Requires membership
4.54% APY
60 months
N/A
$500
The standout feature here is the State Bank of Newburg's 60-month CD, which offers a high APY of 4.54%, making it an excellent choice for those looking to lock in their savings for an extended period.
Pros:
- Attractive long-term rate
- Fixed rates based on deposit amount
Cons:
- Requires in-person account opening
4.50% APY
12 months
N/A
$1,000
Lincoln County Credit Union shines for its straightforward 12-month CD offering a solid 4.50% APY, appealing to those who prefer a balance of accessibility and competitive returns.
Pros:
- Competitive APY
- Simple terms
Cons:
- Higher minimum deposit than some competitors
5.HAB Bank
4.50% APY
3 months
N/A
$1,500
HAB Bank offers a unique opportunity with its 3-month CD at a 4.50% APY, making it a great choice for those looking for a short-term investment with a competitive yield.
Pros:
- Short-term investment option
- Same rate for both terms
Cons:
- Higher minimum deposit requirement
Did you know?
Top certificate of deposit (CD) rates often sit on 6- to 18-month terms. A CD ladder spreads maturity dates so you can reinvest when compound interest moves without locking every dollar for five years.
Final Words
In conclusion, as you assess the best CD rates in the U.S. this September 2026, consider top providers like Genisys Credit Union, Ally Bank, Marcus by Goldman Sachs, and American Express National Bank, which are offering competitive rates. Take the time to compare terms and rates to find the option that best aligns with your financial goals.
Frequently Asked Questions
The best CD rate available in September 2026 is offered by Tower Federal Credit Union at 4.50% APY for a 24-month term.
Genisys Credit Union offers a 7-month CD with a rate of 4.30% APY and a minimum deposit of $500.
State Bank of Newburg offers the highest CD rate for a 60-month term at 4.54% APY.
A Certificate of Deposit (CD) is a savings account with a fixed interest rate and fixed date of withdrawal, known as the maturity date. You deposit money for a set period and earn interest on it.
The minimum deposit required to open a CD with the top providers, including Genisys Credit Union, Tower Federal Credit Union, and State Bank of Newburg, is $500.
No, CD rates can vary significantly between banks and credit unions. It's important to compare rates to find the best option for your savings.
Yes, you can withdraw your money from a CD before it matures, but you may incur an early withdrawal penalty.
CD interest rates can be updated frequently, often in response to changes in the economic environment or Federal Reserve policies. It's best to check with the provider for current rates.
Compare CD Rates
Summary of all rates from our cd rate pages. Click column headers to sort.
