Highest CD Rates for September 2025: Lock in Up to 4.45% APY with LendingClub's 8-Month CD

As of September 15, 2025, the highest CD rate is 4.45% APY, offered by LendingClub on its 8-month CD. Online banks and credit unions generally offer more competitive rates compared to traditional brick-and-mortar banks. National average CD rates are significantly lower, with the highest average rate at 1.76% for a 1-year term. To find the best CD rates, shop around, consider online banks, check minimum deposit requirements, and review account terms and conditions.

As of September 15, 2025, the highest Certificate of Deposit (CD) rate stands at 4.45% APY, offered by LendingClub on its 8-month CD. This rate is significantly higher than the national average, which hovers around 1.76% for a 1-year term Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

Investors looking to maximize their returns should consider online banks and credit unions, which generally offer more competitive rates compared to traditional brick-and-mortar banks. These institutions have lower overhead costs, allowing them to provide better yields on deposits Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

To find the best CD rates, it is crucial to shop around and compare offerings from different financial institutions. Key factors to evaluate include the term length, APY, minimum deposit requirements, penalties for early withdrawal, and deposit insurance. Online banks and credit unions often advertise the highest CD yields, but it is essential to understand the minimum balance requirements and any associated fees Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

National average CD rates are significantly lower due to the reliance of big banks on other revenue streams such as loans and credit cards. These banks may require additional deposit accounts or higher minimum deposit requirements to secure competitive rates Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

The Federal Reserve's monetary policy decisions, particularly changes in the fed funds rate, significantly impact CD market rates. In 2024, the Fed cut rates three times in response to cooling U.S. inflation, leading to a decline in CD rates from their previous two-decade highs Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

Investors should keep an eye on the Federal Open Market Committee (FOMC) meetings to understand shifts in CD yields. As of September 12, 2025, the most recent FOMC meeting held on July 29-30 did not result in any changes to the fed funds rate, indicating that CD rates will likely hold steady for now Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

To benefit from higher interest rates, consider setting up a CD ladder. This strategy involves spreading savings across CDs with varying maturity dates, providing both short-term access to funds and higher long-term interest rates Invest in CDs now to get up to 4.45% APY. Here are the best CD rates for Sept. 11, 2025^[1].

In conclusion, investors should act promptly to secure the highest CD rates available. By shopping around, considering online banks, checking minimum deposit requirements, and reviewing account terms and conditions, they can maximize their returns on CD investments.