Today's CD rates still hover well above the national average. The Federal Reserve reduced its target interest rate three times in 2025 and has left rates alone in 2026. This has had a ripple effect on deposit account rates, making now a great opportunity to lock in today's high rates with a certificate of deposit (CD). Here's a look at today's best CD rates and where you can find the best offers. Best CD rates today, Monday, September 21, 2026 Today, Monday, September 21, 2026, the highest CD rate is 4 ...