Best 9-month CD rates for December 2025

Written by

Matthew Goldberg

Edited by

Yuliya Goldshteyn

Reviewed by

Robert R. Johnson

Expert verified

Rates updated between Nov. 27 and Dec. 3

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If you want a safe place to store your money while enjoying a bump in yield, and you just need it kept out of your own hands for nine months, a nine-month CD can work well. As with other CDs, there’s an early withdrawal penalty, which may be reason enough to keep from touching your deposits before the maturity date.

With a nine-month CD, you’ll avoid tying up your funds for an extended period of time and you may even earn a higher rate of return than you would through many savings accounts and some longer-term CDs.

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Table of contents

Bankrate’s picks for top 9-month CD rates
What is a 9-month CD?
How to find the best 9-month CD rates
9-month CD FAQs
Research methodology

Bankrate’s picks for top 9-month CD rates

Note: Annual percentage yields (APYs) shown were updated between Nov. 27 and Dec. 3. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.

Read review

Marcus by Goldman Sachs

4.5 Bankrate CD score

Annual percentage yield

4.00%
Min. deposit to open

$500
Term

9 months

Why Marcus by Goldman Sachs?

Marcus is the online personal banking unit of Goldman Sachs. Marcus offers a nine-month CD with a minimum deposit of $500, which is lower than some of the banks on this list. In addition to the nine-month CD, Marcus provides eight other standard CDs, including competitive rates on its six-months and 12-month CDs. If you’re feeling worried about locking up your money, Marcus also offers good rates on no-penalty CDs, which allow early withdrawals without penalty seven days after funding the account.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Read review

M.Y. Safra Bank

4.4 Bankrate CD score

Annual percentage yield

4.15%
Min. deposit to open

$500
Term

9 months

Why M.Y. Safra Bank?

M.Y. Safra Bank offers a great rate for its online nine-month CD but you’ll have to navigate to its “online offers” section on the website to see it. In addition to the nine-month CD, the bank features strong APYs on other short-term CDs, including a six-month CD. You can open online CDs here ranging from three months to five years. The bank also offers a high yield on its 13-month no-penalty CD but a much higher minimum deposit, too.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	3.25% APY	$500
6 months	3.85% APY	$500
9 months	4.15% APY	$500
1 year	3.85% APY	$500
13 months	3.80% APY	$5,000
18 months	3.85% APY	$500
2 years	3.85% APY	$500
3 years	3.75% APY	$500
4 years	3.75% APY	$500
5 years	3.80% APY	$500

Read review

CIBC Bank USA

4.2 Bankrate CD score

Annual percentage yield

4.01%
Min. deposit to open

$1,000
Term

9 months

Why CIBC Bank USA?

CIBC Bank USA offers a highly competitive nine-month Agility CD requiring a $1,000 minimum deposit. In addition to the nine-month term, CIBC has more high-yielding short-term options, including a six- and 12-month CD. And its early withdrawal penalty is incredibly reasonable compared to other banks.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
6 months	3.71% APY	$1,000
9 months	4.01% APY	$1,000
1 year	3.76% APY	$1,000
13 months	3.81% APY	$1,000
18 months	3.61% APY	$1,000
2 years	3.51% APY	$1,000
30 months	3.01% APY	$1,000

Read review

Bask Bank

4.0 Bankrate CD score

Annual percentage yield

3.95%
Min. deposit to open

$1,000
Term

9 months

Why Bask Bank?

Bask Bank offers a competitive nine-month CD, along with other competitive short-term options, such as its three and six-month CDs. The minimum deposit is a pretty standard $1,000. Bask is a good choice for those looking for high-yielding short-term CD rates but the bank doesn’t offer CD terms longer than two years.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	4.00% APY	$1,000
6 months	3.95% APY	$1,000
9 months	3.95% APY	$1,000
1 year	3.85% APY	$1,000
18 months	3.75% APY	$1,000
2 years	3.65% APY	$1,000

Read review

Synchrony Bank

4.5 Bankrate CD score

Annual percentage yield

4.10%
Min. deposit to open

$0
Term

9 months

Why Synchrony Bank?

Synchrony Bank offers a competitive 9-month CD and there is no minimum deposit required to open a certificate. In addition to the 9-month term, Synchrony provides other short-term CDs that are fairly competitive and some long-term CDs with good rates.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	0.25% APY	No minimum
3 months	0.25% APY	No minimum
6 months	3.75% APY	No minimum
9 months	4.10% APY	No minimum
11 months	0.25% APY	No minimum
1 year	3.90% APY	No minimum
14 months	4.00% APY	No minimum
15 months	3.85% APY	No minimum
18 months	3.70% APY	No minimum
19 months	3.70% APY	No minimum
2 years	3.50% APY	No minimum
2 years	2.80% APY	No minimum
3 years	3.60% APY	No minimum
4 years	3.50% APY	No minimum
5 years	3.75% APY	No minimum

Read review

Vio Bank

4.2 Bankrate CD score

Annual percentage yield

3.85%
Min. deposit to open

$500
Term

9 months

Why Vio Bank?

Vio Bank offers a high-yielding nine-month CD with a minimum deposit to open of $500. In addition to its nine-month CD, Vio Bank provides a high-yielding six-month CD too. Vio Bank’s CD terms extend up to 10 years but the best yields are found on the shorter-term CDs.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
6 months	3.90% APY	$500
9 months	3.85% APY	$500
1 year	3.70% APY	$500
18 months	3.70% APY	$500
2 years	3.50% APY	$500
3 years	3.50% APY	$500
4 years	2.75% APY	$500
5 years	2.75% APY	$500

Read review

Sallie Mae

3.9 Bankrate CD score

Annual percentage yield

4.10%
Min. deposit to open

$2,500
Term

9 months

Why Sallie Mae?

Sallie Mae Bank is a good choice for savers seeking high CD rates across a variety of terms. It offers a competitive nine-month CD, alongside strong short-term options, including a six month and eleven-month CD. In general, you can open a CD at Sallie Mae anywhere from six months to five years.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
6 months	3.90% APY	$2,500
9 months	4.10% APY	$2,500
11 months	3.90% APY	$2,500
1 year	4.00% APY	$2,500
13 months	3.95% APY	$2,500
15 months	4.10% APY	$2,500
18 months	3.95% APY	$2,500
2 years	3.50% APY	$2,500
30 months	3.80% APY	$2,500
3 years	3.90% APY	$2,500
5 years	4.00% APY	$2,500

Read review

EverBank

4.1 Bankrate CD score

Annual percentage yield

3.70%
Min. deposit to open

$1,000
Term

9 months

Why EverBank?

EverBank offers a strong nine-month CD and a minimum deposit requirement of $1,000. In addition to its nine-month CD, EverBank provides a wide range of CD terms, ranging from three months to five years. If you’re looking for some other short-term alternatives to a nine-month CD, the bank’s seven-month and six-month CD both offer strong APYs.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	3.80% APY	$1,000
6 months	3.80% APY	$1,000
7 months	3.90% APY	$1,000
9 months	3.70% APY	$1,000
1 year	3.60% APY	$1,000
13 months	3.65% APY	$1,000
18 months	3.50% APY	$1,000
2 years	3.50% APY	$1,000
25 months	3.55% APY	$1,000
30 months	3.40% APY	$1,000
3 years	3.40% APY	$1,000
4 years	3.40% APY	$1,000
5 years	3.40% APY	$1,000

Read review

Ally

4.6 Bankrate CD score

Annual percentage yield

3.90%
Min. deposit to open

$0
Term

9 months

Why Ally?

Ally Bank offers a highly competitive 9-month CD and requires no minimum deposit. Ally has other CD options with good rates, too. Ally offers some specialty CDs too: an 11-month no penalty CD with a decent rate and two terms of a Raise Your Rate CD.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	3.00% APY	No minimum
6 months	3.90% APY	No minimum
9 months	3.90% APY	No minimum
11 months	3.20% APY	No minimum
1 year	3.85% APY	No minimum
18 months	3.65% APY	No minimum
2 years	3.50% APY	No minimum
3 years	3.50% APY	No minimum
4 years	3.50% APY	No minimum
5 years	3.50% APY	No minimum

Read review

Barclays

4.4 Bankrate CD score

Annual percentage yield

3.75%
Min. deposit to open

$0
Term

9 months

Why Barclays?

Barclays offers two CD terms under a year, and they both earn competitive rates. There’s no minimum to open the CD and interest on Barclays’ CDs compounds daily.

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	0.10% APY	No minimum
6 months	3.90% APY	No minimum
9 months	3.75% APY	No minimum
1 year	3.60% APY	No minimum
18 months	3.00% APY	No minimum
2 years	3.00% APY	No minimum
3 years	3.00% APY	No minimum
4 years	3.00% APY	No minimum
5 years	3.00% APY	No minimum

Read review

Bread Savings

3.9 Bankrate CD score

Annual percentage yield

3.80%
Min. deposit to open

$1,500
Term

9 months

Why Bread Savings?

Bread Savings offers a good amount of CDs with terms ranging from three months to four years. And all the terms have strong interest rates, including the 9-month CD (though the 6-month CD has a higher yield). The minimum deposit is $1,500, which is fairly standard

Term	APY	Min. deposit
6 months	4.05% APY	$500
7 months	3.90% APY	$500
9 months	4.00% APY	$500
11 months	3.95% APY	$500
1 year	4.00% APY	$500
13 months	3.95% APY	$500
14 months	4.10% APY	$500
18 months	4.00% APY	$500
20 months	3.90% APY	$500
2 years	3.95% APY	$500
3 years	3.90% APY	$500
4 years	3.85% APY	$500
5 years	3.90% APY	$500
6 years	3.90% APY	$500

Term	APY	Min. deposit
3 months	3.80% APY	$1,500
3 months	3.80% APY	$1,500
6 months	4.15% APY	$1,500
6 months	4.15% APY	$1,500
9 months	3.80% APY	$1,500
9 months	3.80% APY	$1,500
1 year	3.75% APY	$1,500
1 year	3.75% APY	$1,500
18 months	3.75% APY	$1,500
18 months	3.75% APY	$1,500
2 years	3.75% APY	$1,500
2 years	3.75% APY	$1,500
3 years	3.75% APY	$1,500
3 years	3.75% APY	$1,500
4 years	3.75% APY	$1,500
4 years	3.75% APY	$1,500
5 years	3.75% APY	$1,500
5 years	3.75% APY	$1,500

Learn more: Bankrate’s best high-yield savings accounts

What is a 9-month CD?

A nine-month CD is a certificate of deposit that matures in nine months. In return for locking up your money with a bank or other financial institution for the term, it may pay you a slightly higher interest rate than you’d earn with a traditional savings account or a top money market account.

Certificates of deposit offer a few key benefits.

With your rate locked in, you don’t have to worry about the bank cutting your rate until after the CD matures.
Accounts opened at most banks or credit unions are insured, typically up to $250,000, eliminating risk while helping you save for short-term goals.

In a falling interest rate environment, a short-term CD can be a smart middle ground. It gives you the chance to lock in a decent rate without committing for too long. If you don’t need your money for a few years, it’s worth locking in a multi-year CD at today’s rates. Rates will probably drop as we move into next year and beyond. Securing a good rate now might save you from missing out later.
Joe Camberato, CEO and founder, National Business Capital

How to find the best 9-month CD rates

Comparison shopping is key when you’re looking for the best nine-month CD rates. There are multiple types of CDs you could look into, including bump-up CDs and no-penalty CDs. But the top nine-month CD rates are usually found with traditional CDs.

Check out the best nine-month CDs offered by banks and credit unions and weigh the pros and cons of going with a short-term certificate of deposit over an account that’s more liquid. Don’t forget to calculate how much interest you could earn by the end of your term.

9-month CD FAQs

One thing to consider as you compare nine-month CDs is whether they are worth the yield. If you withdraw money early, you’ll pay a penalty that might, in some cases, equal the amount of interest you would have earned or even eat into the principal (one of the only ways to lose money in a CD).

But a nine-month CD can be a useful rung in a short-term CD ladder for more immediate goals or for an emergency fund or if you have a short-term savings goal that you want to meet and want a restriction in place to not use the money before then.
There are a few alternatives you can consider to a nine-month CD.
1. Consider other short-term CDs, such as a one-year CDs, which may offer slightly higher yields. However, in some cases, the yield isn’t that much different and might not make a huge difference in how much interest you earn. Carefully consider your goals and whether it makes sense to lock up your money for a longer period of time for the difference in yields. Use Bankrate’s CD calculator to see what the difference in interest will be before you decide where to put your money.
2. You can also consider more flexible options like high-yield savings accounts and money market accounts. Savings and money market accounts tend to offer similar or higher rates than nine-month CDs and allow easy funds access, with no penalty. Note, however, that rates for these accounts are variable and can change at any time.
3. No-penalty CDs are another option. They provide a fixed rate with the ability to withdraw funds early without penalty.

Meet the Bankrate Experts

Written by

Matthew Goldberg Matthew Goldberg

Former Senior Consumer Banking Reporter

Research methodology

Bankrate researches over 100 banks and credit unions, including some of the largest financial institutions, online-only banks, regional banks and credit unions with both open and restrictive membership policies.

To find the best nine-month CD rates, we regularly survey nine-month CD offerings from the banks and credit unions that continually offer the most competitive rates.

The banks and credit unions on this page are selected based on their current APY for a nine-month CD and minimum deposit requirements. Only banks and credit unions with broadly available CDs made the list. Learn more about how we choose the best banking products and our methodology for reviewing banks.

Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Federal Credit Union, American Express National Bank, Apple Bank, Axos Bank, Banesco USA, Bank of America, Bank of Hope, Bank5 Connect, BankPurely, BankUnited Direct, Barclays Bank, Bask Bank, BMO Alto, BMO Bank, Boeing Employees’ Credit Union, Bread Savings, BrioDirect, Capital One, Cash App, CFG Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Citizens Bank, Colorado Federal Savings Bank, Comerica Bank, Connexus Credit Union, Credit One Bank, Cross River Bank, Customers Bank, Delta Community Credit Union, Discover Bank, E*TRADE from Morgan Stanley, East West Bank, Emigrant Bank, Emigrant Direct Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, First Tech Credit Union, FNBO Direct, Forbright Bank, FourLeaf Federal Credit Union, Frost Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, Lake Michigan Credit Union, Laurel Road, LendingClub Bank, Limelight Bank, Live Oak Bank, M.Y. Safra Bank, M&T Bank, Marcus by Goldman Sachs, Merrick Bank, Mountain America Credit Union, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, North American Savings Bank, Northpointe Bank, Openbank, Patelco Credit Union, Peak Bank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Presidential Bank, Provident Bank, Quontic Bank, Quorum Federal Credit Union, Randolph-Brooks Federal Credit Union, Regions Bank, Ridgewood Savings Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, SouthState Bank, Star One Credit Union, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, Synovus Bank, TAB Bank, TD Bank, Texas Capital Bank, The Federal Savings Bank, Third Federal Savings and Loan, Truist Bank, UFB Direct, Umpqua Bank, US Bank, USAA Bank, Valley Bank, Varo Bank, Vio Bank, VyStar Credit Union, WebBank, Webster Bank, Wells Fargo, Western State Bank, Zions Bank, ZYNLO Bank

Best 9-month CD rates for December 2025

Why choose Bankrate

Bankrate’s picks for top 9-month CD rates

Marcus by Goldman Sachs

Annual percentage yield

Min. deposit to open

Term

Why Marcus by Goldman Sachs?

Current Marcus by Goldman Sachs CD Rates

M.Y. Safra Bank

Annual percentage yield

Min. deposit to open

Term

Why M.Y. Safra Bank?

Current M.Y. Safra Bank CD Rates

CIBC Bank USA

Annual percentage yield

Min. deposit to open

Term

Why CIBC Bank USA?

Current CIBC Bank USA CD Rates

Bask Bank

Annual percentage yield

Min. deposit to open

Term

Why Bask Bank?

Current Bask Bank CD Rates

Synchrony Bank

Annual percentage yield

Min. deposit to open

Term

Why Synchrony Bank?

Current Synchrony Bank CD Rates

Vio Bank

Annual percentage yield

Min. deposit to open

Term

Why Vio Bank?

Current Vio Bank CD Rates

Sallie Mae

Annual percentage yield

Min. deposit to open

Term

Why Sallie Mae?

Current Sallie Mae CD Rates

EverBank

Annual percentage yield

Min. deposit to open

Term

Why EverBank?

Current EverBank CD Rates

Ally

Annual percentage yield

Min. deposit to open

Term

Why Ally?

Current Ally CD Rates

Barclays

Annual percentage yield

Min. deposit to open

Term

Why Barclays?

Current Barclays CD Rates

Bread Savings

Annual percentage yield

Min. deposit to open

Term

Why Bread Savings?

Current Bread Savings CD Rates

What is a 9-month CD?

How to find the best 9-month CD rates

9-month CD FAQs

Is a 9-month CD worth it?

What are the alternatives to 9-month CDs?

Meet the Bankrate Experts

Research methodology

Banks we monitor