Core Insights - The current economic climate has led to shorter-term CDs offering higher interest rates compared to longer-term CDs, which is a reversal of historical trends [2] Group 1: CD Rates Overview - As of September 14, 2025, the highest CD rate available is 4.45% APY, offered by LendingClub for an 8-month CD [2] - The amount of interest earned from a CD is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Group 2: Interest Earnings Examples - Investing $1,000 in a one-year CD with 1.81% APY results in a total balance of $1,018.25 after one year, yielding $18.25 in interest [4] - A one-year CD with 4% APY would grow the same $1,000 investment to $1,040.74, resulting in $40.74 in interest [4] - A $10,000 deposit in a one-year CD at 4% APY would mature to $10,407.42, earning $407.42 in interest [5] Group 3: Types of CDs - Bump-up CDs allow for a one-time request to increase the interest rate if the bank's rates rise during the term [5] - No-penalty CDs permit early withdrawal without penalties, providing more liquidity [5] - Jumbo CDs require higher minimum deposits (typically $100,000 or more) and may offer higher interest rates, though the difference may be minimal in the current environment [5] - Brokered CDs are purchased through brokerages and may offer higher rates or flexible terms, but they carry additional risks and may not be FDIC-insured [5]

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.39%, according to the FDIC. This might not seem like much, but consider that three years ago ...