Top CD Rates for September 5, 2026: Earn up to 4.35% APY on an 18‑Month Term

Discover potential earnings from locking in a high‑yield CD today. After three federal‑funds‑rate cuts by the Federal Reserve in 2025, rates have held steady in 2026, presenting a timely opportunity to secure a competitive CD yield before any shifts. Because rates differ significantly among banks and credit unions, comparing offers is essential to obtain the best available rate.

Below is a summary of today’s CD rates and where to find the top offers.

CD Rates for September 5, 2026

Typically, the most attractive CD rates are found on short‑term products of one year or less, with online banks and credit unions often leading the market.

As of Saturday, September 5, 2026, the leading CD rate stands at 4.35% APY, offered by Marcus by Goldman Sachs on its 18‑month certificate.

Here are some of the top CD rates currently available:

How Much Interest Can a CD Generate?

The interest earned on a CD is determined by its annual percentage yield (APY), which reflects total earnings after one year, factoring in the base rate and compounding frequency—usually daily or monthly for CDs.

For example, a $1,000 deposit in a one‑year CD yielding 1.52% APY with monthly compounding would grow to $1,015.20 after one year, earning $15.20 in interest.

Choosing a one‑year CD with a 4% APY under the same conditions would increase the balance to $1,040.74, yielding $40.74 in interest.

Earnings scale with the deposit size. Using the same 4% APY one‑year CD, a $10,000 investment would mature to $10,407.42, generating $407.42 in interest.

Further reading: What defines a good CD rate?

CD Variants

While the interest rate is often the primary consideration when selecting a CD, other factors matter too. Various CD structures provide distinct advantages, sometimes requiring a modest rate reduction for added flexibility. Below are several common CD types worth exploring beyond the standard offering.

• Bump‑up CD: This product lets you request a rate increase if your bank raises rates during the term, though typically only one such adjustment is permitted.

• No‑penalty CD: Also called a liquid CD, it permits early withdrawals without incurring penalties.

• Jumbo CD: These accounts demand a larger minimum deposit—commonly $100,000 or more—and generally provide a higher yield. In the current rate climate, the gap between standard and jumbo CD rates tends to be narrow.

• Brokered CD: As the name implies, these certificates are bought via a brokerage rather than a bank directly. While they may deliver superior rates or more flexible terms, they also involve greater risk and may lack FDIC protection.

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