Top Certificate of Deposit Terms Deliver Highest Yields This September

In September, certificate of deposit rates cluster around the 4% mark, yet the exact return depends on the chosen term. The most attractive offers include an 18-month and a 2-year CD both at 4.35%, a 3-year CD at 4.50%, and a 5-year CD at 4.40%. By contrast, shorter-duration CDs range from 3.95% for three months up to 4.30% for a one-year term.

Potential investors need to consider whether they can keep funds untouched until maturity, because withdrawing early reduces the interest earned. For those who prefer liquidity, high-yield savings and money-market accounts provide variable rates without lock-in constraints, though their yields sit slightly below the top CD rates. Ultimately, the best choice hinges on balancing rate strength with personal cash-flow needs.