The 9-month CD rates we read on bank pages in October 2026 ranged from 3.40% to 4.40% APY. The highest was Bread Savings at 4.40%. On $10,000 that is about $328 in interest over the term. The rate is fixed for the term once you open the CD, and CDs at FDIC-insured banks are covered up to $250,000 per depositor, per bank, per ownership category.
Rates are dated by each bank’s page: Bread Savings October 15, 2026, EverBank October 9, 2026, Marcus by Goldman Sachs October 15, 2026. Verify the current rate with the bank before opening.
9-month CD Rates We Read
| Bank | APY | Minimum Deposit |
|---|---|---|
| Bread Savings | 4.40% | $1,500 |
| Marcus by Goldman Sachs | 4.30% | $500 |
| EverBank | 3.40% | $1,000 |
Banks not shown: we did not read a rate for this term, and Ally, Capital One and Synchrony pages did not show readable term-by-term rates. See best CD rates for more terms.
What a $10,000 9-month CD Earns
| Rate | APY | Interest | Total at Maturity |
|---|---|---|---|
| Bread Savings | 4.40% | $328 | $10,328 |
| Marcus by Goldman Sachs | 4.30% | $321 | $10,321 |
| EverBank | 3.40% | $254 | $10,254 |
Interest = $10,000 x ((1 + APY)^(months / 12) - 1), assuming the APY is earned for the full term.
9-Month CD vs. 6-Month and 12-Month CDs
Compare the same bank’s 6-, 9- and 12-month rates in the tables on this page and in best CD rates. The term differences can be small, so the practical question is how long you can leave the money alone. A 9-month CD fits a goal about nine months away, or a rung in a CD ladder.
9-Month CD vs. High-Yield Savings
A high-yield savings account pays a variable rate with no lockup; the FDIC national average savings rate was 0.38% as of October 19, 2026, and Bread Savings paid 4.05%. A standard CD fixes its rate for the term, so it protects you if rates fall and costs you if they rise.
Early Withdrawal Penalties
Banks charge interest for withdrawing before maturity, and the amount depends on the bank and term. Examples from bank pages: Ally charges 60 days of interest on a CD of 3 to 24 months (30 days under 3 months; 90 days for 25 to 36 months, 120 for 37 to 48, 150 for 49 or more); Capital One charges 3 months of interest on terms of 12 months or less and 6 months on longer terms; Synchrony charges 90 days of simple interest on terms of 12 months or less, 180 days on more than 12 but under 48 months, and 365 days on 48 months or more. We could not read penalty schedules for the other banks, so check the account agreement.
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