Yahoo Personal Finance reported the highest CD offer for Sunday, Sept. 27, 2026: Happen Bank’s two-year CD at 4.40% APY. The article says the best rates now exceed 4% after the Fed raised its federal funds rate for the first time in more than three years.
For illustration, the article says a $1,000 one-year CD at 4% APY would earn $40.74 in interest over a year; at its stated 1.73% national average, the same deposit would earn $17.30.
The article notes that CD structures can trade yield for flexibility: a no-penalty CD permits withdrawals before maturity without a penalty, while a bump-up CD usually lets the holder request one rate increase if the bank raises rates. Brokered CDs may offer flexible terms but can carry more risk and might not be FDIC-insured.
