Marcus by Goldman Sachs offers the highest 9-month CD rate at 4% APY amid stable Fed policy in 2026.
The highest-yielding 9-month certificate of deposit now pays 4% annual percentage yield, according to current market data. Marcus by Goldman Sachs leads the segment with the top rate, reflecting competitive pressure among online banks and credit unions.
The Federal Reserve held its benchmark rate steady in 2026 after three cuts in 2025, leaving savers with a narrow window to lock in elevated yields. Shorter-term CDs, particularly those under one year, currently offer the most attractive rates as institutions adjust to the Fed’s pause.
A $1,000 deposit in a 4% APY CD would grow to $1,040.74 after 12 months, assuming monthly compounding. Lower-yielding alternatives, such as a 1.52% APY CD, would return $1,015.20 over the same period.