Best 9-Month Online CD Rates - September 11, 2026

Written by Ari Socolow | Lacra Burg profile image

Edited by Lacra Burg | Updated September 6, 2026

Summary: Today's Highest 9-Month Online CD Rates - September 2026

Bank Institution	Minimum	Interest Rate (APY)
Goldman Sachs Bank	$500	4.30%
Bread Savings, a division of Bread Financial	$1,500	4.25%
Morgan Stanley Private Bank (Offered through ETrade)	No minimum	4.20%

Nine month Certificates of Deposit (CD) rates from online banks are often above average if you are willing to open and manage your account using the Internet. Most online banks offer an online application and money can be transferred to fund the CD via an electronic transfer, check, wire, or credit card. To view rates for other CD terms, click the tabs above.

BANK	APY^?	MIN^?
Goldman Sachs Bank	4.30%	$500	Learn More
Rate History: 4.05% → 4.05% → 4.00% → 4.10% → 4.30%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More Reviews (50)
Bread Savings, a division of Bread Financial	4.25%	$1,500	Learn More
Rate History: 4.15% → 4.15% → 4.25% → 4.40% → 4.25%
m abram \| Jun 22, 2025 I have had multiple CD's with this bank and have never had a problem. Easy account setup. Interest on CD's is transferred on time to my external checking account every month. You can call by phone or leave... Read More Reviews (46)
Morgan Stanley Private Bank (Offered through ETrade)	4.20%	$0	Learn More
Rate History: 4.10% → 4.20%
FROZE-ACCOUNT \| Jan 10, 2024 Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More Reviews (5)
Barclays Bank Delaware	4.15%	$0	Learn More
Rate History: 3.75% → 3.50% → 3.85% → 4.00% → 4.15%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Reviews (33)
BTG Pactual Bank	4.15%	$500	Learn More
Rate History: 2.25% → 4.95% → 4.15% → 3.99%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Reviews (6)
Bask Bank, a division of Texas Capital Bank	4.05%	$1,000	Learn More
Rate History: 4.05% → 3.95% → 3.85% → 4.00% → 4.05%
TJ Boone \| Jun 2, 2026 Opened an account with Bask several years ago for all of American Airlines miles when rates were close to zero. At some point I switched to an interest bearing account and then at some point I moved to an... Read More Reviews (22)
Merrick Bank	4.05%	$25,000	Learn More
Rate History: 4.05% → 3.85% → 3.95% → 4.05% → 4.05%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Reviews (2)
Brilliant Bank, a division of Equity Bank	4.00%	$1,000	Learn More
Rate History: 5.05% → 4.55% → 4.35% → 4.06% → 4.00%
Jason T \| May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More Reviews (6)
Canadian Imperial Bank USA	4.00%	$1,000	Learn More
Rate History: 4.01% → 3.86% → 4.00% → 3.90% → 4.00%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More Reviews (28)
Charles Schwab Bank, SSB	3.97%	$1,000	Learn More
Rate History: 3.82% → 3.92% → 4.07% → 4.02% → 3.97%
[email protected] \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Reviews (5)
Synchrony Bank	3.90%	$0	Learn More
Early Withdrawal Penalty is 90 days interest.
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More Reviews (79)
Ally Bank	3.90%	$0	Learn More
Rate History: 3.60% → 3.60% → 3.30% → 3.75% → 3.90%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More Reviews (54)
Vio Bank, A Division of MidFirst Bank	3.90%	$500	Learn More
2 Months with Vio Bank \| Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More Reviews (42)
Valley Direct, a division of Valley National Bank	3.85%	$500	Learn More
Rate History: 4.00% → 4.00% → 4.00% → 3.85% → 3.85%
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More Reviews (21)
Capital One 360	3.75%	$0	Learn More
Rate History: 3.50% → 3.75% → 3.70% → 3.20% → 3.75%
Robert B \| May 19, 2026 I have read these reviews and noticed how old they are. My experience with Capital One has been very good. I have had CDs and savings accounts. All of my transactions have been on line. I have enjoyed usin... Read More Reviews (39)
Customers Bank	3.75%	$500	Learn More
Rate History: 4.25% → 4.15% → 3.90% → 3.75%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Reviews (3)
Forbright Bank	3.75%	$1,000	Learn More
Rate History: 4.00% → 4.25% → 3.75% → 4.15% → 3.75%
John N. Maclean \| Jul 5, 2024 I took out a substantial CD with Forbright, a small bank that tries hard. At the time, it was the highest rate around. The bank officer I dealt with most, Walid, knocked himself out to be helpful and get t... Reviews (1)
Discover Bank	3.75%	$2,500	Learn More
Rate History: 3.70% → 3.70% → 3.20% → 3.20% → 3.75%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More Reviews (14)
Hingham Savings	3.57%	$1,000	Learn More Add Review
Rate History: 3.75% → 3.70% → 3.64% → 3.60% → 3.57%
Northern Bank Direct	3.50%	$500	Learn More
Warning: Early Withdrawal Penalty is 6 months interest.
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More Reviews (9)
TIAA Bank / Everbank	3.40%	$1,000	Learn More
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More Reviews (41)
Blue Foundry Bank	3.35%	$1,000	Learn More Add Review
Rate History: 4.75% → 5.25% → 3.60% → 3.55% → 3.35%
Virtualbank, a division of First Horizon Bank	3.25%	$10,000	Learn More
Rate History: 3.56% → 3.25%
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (13)
Sallie Mae Bank	3.20%	$2,500	Learn More
Rate History: 3.90% → 4.10% → 3.80% → 3.70% → 3.20%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Reviews (40)
Sallie Mae Bank	3.20%	$2,500	Learn More Add Review
CTBC Bank Corp. (USA)	3.00%	$5,000	Learn More Add Review
USAA Federal Savings Bank	2.00%	$1,000	Learn More
Rate History: 4.75% → 3.20% → 2.00% → 2.00%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (3)
Hingham Institution for Savings	1.00%	$1,000	Learn More Add Review
Rate History: 4.80% → 4.50% → 4.39% → 4.30% → 1.00%
First Hawaiian Bank	0.09%	$500	Learn More
Rate History: 1.00% → 0.09%
me joe \| Apr 25, 2022 broke the machine, braddah Reviews (2)
Edu Federal Credit Union Restrictions	0.05%	$500	Learn More Add Review
Bank of Montreal Harris	0.05%	$1,000	Learn More
Rate History: 0.05% → 0.05% → 0.05%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (11)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

See rates for Credit Unions →

PRODUCT INFORMATION

What to Look for in an Online CD Account:

FDIC and NCUA Insurance - In order to secure the viability of the US banking system, the Federal government provides insurance to a maximum amount of $250,000 per individual per institution (or $500,000 for joint account holders). This insurance is provided to banks through the FDIC and to credit unions through the NCUA. All banks listed on BestCashCow are FDIC insured; most, but not all, credit unions listed on BestCashCow are NCUA insured. Ordinarily, all deposits (CDs, Checking, Savings Accounts) held in the same type of ownership are added together and insured to $250,000, funds held in different types of ownership (Individual, Joint, Trust, Retirement) may fall under separate insurance provisions. In order to determine if your financial institution is insured and to ascertain your coverage limits, please visit - as appropriate - either FDIC.gov and use the BankFind functionality or NCUA.gov and use the Share Insurance Toolkit. We recommend that you deposit funds in only FDIC and NCUA insured institutions and that you do not exceed coverage limits.

Minimum Deposit - There is such competition for your money that the best CD rates are often available for sums as little as $500.

Term and CD Rates- Three month and six month certificates of deposit rates do not dramatically exceed those in online savings and money market accounts, and money market funds. Moreover, investors in states with higher state tax, such as New York and California, in an ordinary environment (not 2011) will perform equally well in a three-month US Treasury Bond or pre-refunded municipal bonds after they account for the fact that interest produced on those products are tax advantaged.

Generally, longer the CD term, the higher the CD rate. In general, the term you choose depends on how long you want to tie up your funds and also what you think will happen to interest rates.

Interest rates will fall. Then it is better to put money into longer-term CDs to maintain the high rate as long as possible.

Interest rates will rise. Put money into short term CDs. By keeping your cash more liquid, you can re-invest it as rates go up.

Interest rates will remain flat. In this case, going for longer-term CDs will help you maximize your interest income.

Learn more about getting the best CD rates.

Avoiding CD Pitfalls:

Early Withdrawal - Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. Ordinarily, the penalty for early withdrawal will be a loss of all of your accrued interest, but there are certain circumstances where banks will also assess penalties that will result in a loss of some of your principal.