If you’re looking to grow your savings safely, Certificates of Deposit (CDs) remain one of the most reliable options. In September 2025, several banks are offering promotional CD rates as high as 4.4% APY, making it the perfect time to lock in a high-yield savings option.
Why Choose a Promotional CD?
Promotional CDs are special offers from banks and credit unions designed to attract new deposits. They often feature:
- Higher interest rates than standard CDs
- Flexible terms, ranging from a few months to several years
- FDIC insurance protection, ensuring your principal is safe
Top CD Rates to Consider This September
Here are some of the best promotional rates currently available:
- 12-Month CD – 4.2% APY: Ideal for short-term savers looking for a higher return without locking funds for too long.
- 24-Month CD – 4.3% APY: Perfect if you want a slightly longer commitment and a higher yield.
- 36-Month CD – 4.4% APY: The best option for those willing to lock in their savings for three years and maximize returns.
Tips for Maximizing Your CD Earnings
- Shop around: Compare rates from multiple banks and credit unions.
- Consider laddering: Invest in CDs with different maturities to maintain liquidity while earning higher rates.
- Check for penalties: Make sure you understand early withdrawal penalties to avoid losing interest.
Locking in a high APY now can help your savings grow faster while keeping your money safe. Whether you’re saving for short-term goals or long-term plans, promotional CDs in September 2025 are a smart move for financially savvy individuals.
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