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Best 9-month CD rates for April 2026

Written by
Matthew Goldberg
Edited by
Yuliya Goldshteyn
Reviewed by
Robert R. Johnson
Verified Badge IconExpert verified

Rates updated between March 25 and March 31

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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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Bankrate’s picks for top 9-month CD rates

Note: Annual percentage yields (APYs) shown were updated between March 25 and March 31. 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.

Marcus by Goldman Sachs_logo

Marcus by Goldman Sachs

Rating: 4.8 stars out of 5
4.8 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.

BTG Pactual Bank_logo

BTG Pactual Bank

Rating: 4.5 stars out of 5
4.5 Bankrate CD score

  • Annual percentage yield

    3.85%

  • Min. deposit to open

    $500

  • Term

    9 months

Why BTG Pactual Bank?

BTG Pactual (formerly 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.

CIBC Bank USA_logo

CIBC Bank USA

Rating: 3.7 stars out of 5
3.7 Bankrate CD score

  • Annual percentage yield

    4.00%

  • 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.

Bask Bank_logo

Bask Bank

Rating: 3.4 stars out of 5
3.4 Bankrate CD score

  • Annual percentage yield

    4.00%

  • 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.

Synchrony Bank_logo

Synchrony Bank

Rating: 4.8 stars out of 5
4.8 Bankrate CD score

  • Annual percentage yield

    3.75%

  • 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.

Vio Bank_logo

Vio Bank

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    3.90%

  • 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.

Sallie Mae_logo

Sallie Mae

Rating: 4.2 stars out of 5
4.2 Bankrate CD score

  • Annual percentage yield

    3.70%

  • 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.

EverBank_logo

EverBank

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    3.40%

  • 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.

Ally Bank_logo

Ally Bank

Rating: 5 stars out of 5
5.0 Bankrate CD score

  • Annual percentage yield

    3.30%

  • Min. deposit to open

    $0

  • Term

    9 months

Why Ally Bank?

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.

Barclays_logo

Barclays

Rating: 3.8 stars out of 5
3.8 Bankrate CD score

  • Annual percentage yield

    3.50%

  • 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.

Bread Savings_logo

Bread Savings

Rating: 4.1 stars out of 5
4.1 Bankrate CD score

  • Annual percentage yield

    4.15%

  • 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

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.

Bank Icon

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.
Bankrate logo 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

Meet the Bankrate Experts

Matthew Goldberg
Written by
Matthew Goldberg Matthew Goldberg Arrow Right Icon
Former Senior Consumer Banking Reporter
Read more from Matthew
Matthew Goldberg is an award-winning writer who has been in financial services for more than 14 years. He uses his banking experience to help inform readers as they make important personal finance decisions.
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Credentials
  • Property (Colorado)
  • Life (Colorado)
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Expertise
  • Consumer banking
  • Savings accounts and CDs
Yuliya Goldshteyn
Edited by
Yuliya Goldshteyn
Editor, Deposits
Robert R. Johnson
Reviewed by
Robert R. Johnson
Professor of finance, Creighton University

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.

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