CD Rates Today: Up to 4.35% APY with 18-Month Options

As of September 12, 2026, the highest Certificate of Deposit (CD) rate available is 4.35% APY, offered by Marcus by Goldman Sachs on its 18-month CD. The Federal Reserve cut its federal funds rate three times in 2025 but has maintained current rates in 2026. CD rates can vary significantly among financial institutions, making it essential for consumers to shop around for competitive rates. For ordinary investors, this means now might be a crucial opportunity to secure higher returns before future rate movements occur.