Money

Best CD rates today, January 9, 2026 (up to 4.1% APY return)

January 10, 2026

As of January 9, 2026, various financial institutions are offering competitive rates for certificates of deposit (CDs), money market accounts (MMAs), and high-yield savings accounts, with some rates reaching up to 4.1% APY. Despite multiple cuts to the federal funds rate in 2024 and 2025, consumers can still find attractive interest rates for their deposits.

Best CD rates today, January 9, 2026 (up to 4.1% APY return)

Credit: Yahoo

Key Highlights

Best CD rates currently reach up to 4.1% APY.
Money market account rates have been declining due to previous federal funds rate cuts.
High-yield savings accounts offer rates above 4% APY.
The Federal Reserve cut rates three times in both 2024 and 2025.

Sources

This quick summary is automatically generated using AI based on reports from multiple news sources. The content has not been reviewed or verified by humans. For complete details, accuracy, and context, please refer to the original published articles.

Best CD rates today, January 9, 2026 (up to 4.1% APY return)

Key Highlights

Sources

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