Current CD rates offer fixed returns across six-month and three-year terms

Sep 8, 2026 19:40 (46d ago)

A $10,000 six-month CD could earn about $200, while a $100,000 three-year CD could earn more than $13,600 at current rates.
Six-month rates of approximately 4.00% to 4.20% produce $198.04 to $207.84, while three-year rates of 4.35% to 4.50% produce $13,625.91 to $14,116.61.
CD funds generally must remain deposited until maturity because early-withdrawal penalties can reduce or eliminate the projected interest.

Current certificate of deposit (CD) rates offer savers fixed returns over different time horizons. A $10,000 six-month CD at approximately 4.00% to 4.20% could earn $198.04 to $207.84 and mature around March 2027 if opened this September. A $100,000 three-year CD at 4.35% to 4.50% could generate $13,625.91 to $14,116.61 by maturity, assuming no fees or penalties. CDs protect principal from stock-market volatility during the term, but early withdrawals can trigger penalties that reduce or eliminate interest. Savers should compare lenders, including online banks, because rates vary and respond to market conditions. The average traditional savings rate is 0.38%, while inflation remains above 3%, and a potential Federal Reserve interest-rate hike later in September could affect future CD rates.