Top CD Rates for September 2025
Current Certificates of Deposit yields at popular banks.
All offers shown below are unsponsored.
Bank
Account
APY
Term Length
DR Bank
Prime CD
4.51%
6 months
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $500
Term 6 months
This account is available nationwide
Interest begins accruing on the business day you open the CD.
First Bank of the Lake
Certificate of Deposit
4.51%
5 months
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $5,000
Term 5 months
This account is available nationwide
Online accounts require $5,000 minimum to open and earn APY. Maximum deposit $500,000.
Presidential Bank
Certificate of Deposit
4.50%
7 months
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $1,000
New money required
Term 7 months
This account is available nationwide
Minimum $1,000 new money to open. New money must be from an external source.
Hughes Federal CU
Jumbo Certificate
4.50%
17 months
Your deposits are NCUA Insured up to $250,000.
Deposit to Open $99,000
Term 17 months
This account is available nationwide
Minimum $99,000 balance. NCUA insured. Dividends compounded daily and credited monthly.
Bread Financial
Certificate of Deposit
4.45%
6 months
Your deposits are FDIC Insured up to $250,000 through Comenity Capital Bank.
Deposit to Open $1,500–$1,000,000
Term 6 months
This account is available nationwide
3 months: 3.80% APY
6 months: 4.45% APY
9 months: 3.80% APY
12 months: 4.00% APY
18 months: 3.80% APY
24 months: 3.90% APY
36 months: 3.85% APY
48 months: 3.85% APY
60 months: 3.85% APY
Starts earning as soon as deposit is received (if before 5 p.m. CT on a business day)
Marcus Bank
High-Yield CD
4.40%
6 months
Your deposits are FDIC Insured up to $250,000 through Goldman Sachs Bank USA.
Deposit to Open $500
Term 6 months
This account is available nationwide
10-Day CD Rate Guarantee. Interest compounded daily and paid monthly.
Northern Bank Direct
Certificate of Deposit
4.25%
6 months
Your deposits are FDIC Insured up to $250,000 through Northern Bank.
Deposit to Open $500
Term 6 months
This account is available nationwide
Minimum $500 to open and earn APY. Maximum opening deposit $250,000.
Synchrony Bank
Certificate of Deposit
4.25%
15 months
Your deposits are FDIC Insured up to $250,000.
Term 15 months
This account is available nationwide
No minimum balance. Our best rate currently.
PenAir Credit Union
Certificate Account
4.25%
14 months
Your deposits are NCUA Insured up to $250,000.
Term 14 months
This account is available nationwide
No minimum to open. NCUA insured. Membership required (available nationwide with eligibility options).
Vibrant Credit Union
Certificate of Deposit Special
4.25%
6 months
Your deposits are NCUA Insured up to $250,000.
Term 6 months
This account is available nationwide
Membership required ($5 share account). Promotional special rate.
DR Bank
Prime CD
4.51%
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $500
Term 6 months
This account is available nationwide
Interest begins accruing on the business day you open the CD.
First Bank of the Lake
Certificate of Deposit
4.51%
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $5,000
Term 5 months
This account is available nationwide
Online accounts require $5,000 minimum to open and earn APY. Maximum deposit $500,000.
Presidential Bank
Certificate of Deposit
4.50%
Your deposits are FDIC Insured up to $250,000.
Deposit to Open $1,000
New money required
Term 7 months
This account is available nationwide
Minimum $1,000 new money to open. New money must be from an external source.
Hughes Federal CU
Jumbo Certificate
4.50%
Your deposits are NCUA Insured up to $250,000.
Deposit to Open $99,000
Term 17 months
This account is available nationwide
Minimum $99,000 balance. NCUA insured. Dividends compounded daily and credited monthly.
Bread Financial
Certificate of Deposit
4.45%
Your deposits are FDIC Insured up to $250,000 through Comenity Capital Bank.
Deposit to Open $1,500–$1,000,000
Term 6 months
This account is available nationwide
3 months: 3.80% APY
6 months: 4.45% APY
9 months: 3.80% APY
12 months: 4.00% APY
18 months: 3.80% APY
24 months: 3.90% APY
36 months: 3.85% APY
48 months: 3.85% APY
60 months: 3.85% APY
Starts earning as soon as deposit is received (if before 5 p.m. CT on a business day)
Marcus Bank
High-Yield CD
4.40%
Your deposits are FDIC Insured up to $250,000 through Goldman Sachs Bank USA.
Deposit to Open $500
Term 6 months
This account is available nationwide
10-Day CD Rate Guarantee. Interest compounded daily and paid monthly.
Northern Bank Direct
Certificate of Deposit
4.25%
Your deposits are FDIC Insured up to $250,000 through Northern Bank.
Deposit to Open $500
Term 6 months
This account is available nationwide
Minimum $500 to open and earn APY. Maximum opening deposit $250,000.
Synchrony Bank
Certificate of Deposit
4.25%
Your deposits are FDIC Insured up to $250,000.
Term 15 months
This account is available nationwide
No minimum balance. Our best rate currently.
PenAir Credit Union
Certificate Account
4.25%
Your deposits are NCUA Insured up to $250,000.
Term 14 months
This account is available nationwide
No minimum to open. NCUA insured. Membership required (available nationwide with eligibility options).
Vibrant Credit Union
Certificate of Deposit Special
4.25%
Your deposits are NCUA Insured up to $250,000.
Term 6 months
This account is available nationwide
Membership required ($5 share account). Promotional special rate.
Last updated Sep 1, 2025
Every bank listed is FDIC insured. Every credit union listed is NCUA insured.
Every offer you see on this website is backed by US Federal insurance coverage. Coverage is at least $250,000 per depositor, per institution, with higher limits possible depending on the bank or credit union.