Rates Today: September 24, 2026 - Take Home Up To 4.94%

Best CD yields today peak at 4.94%, with the top rate tied to a jumbo 6-month term and also available for certain non-jumbo options depending on the bank. The article notes that CD rates vary by maturity and that withdrawing early usually triggers a penalty, which can erase interest earnings—especially on longer terms. By term, the highest rates are listed as 4.18% for 3-month CDs, 4.64% for 1-year CDs, 4.59% for 2-year CDs, 4.45% for 3-year CDs, and 4.60% for 5-year CDs. Average APYs are far lower, with the 6-month average at 1.64%.