Yahoo Personal Finance identified Happen Bank’s two-year CD as the highest-rate offer for Saturday, Sept. 26, 2026, at 4.40% APY. The article says online banks and credit unions generally have the top rates, but names no other specific offers for comparison.
APY reflects annual earnings after accounting for the interest rate and compounding. The article cites a 1.73% national average and says $1,000 invested at that APY would earn $17.30 over one year.
The article also outlines alternatives to traditional CDs. A bump-up CD lets a customer request one rate increase if the bank raises rates; a no-penalty CD allows withdrawals before maturity without a penalty. Jumbo CDs usually require $100,000 or more, though their rates may not be much higher than traditional CDs. Brokered CDs may offer higher rates or flexible terms, but carry more risk and might not be FDIC-insured.
