Best 9 Month CD Rates
The best 9 month CD rates from the banks and credit union we track, plus two nearby terms that pay as much or more.
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Synchrony pays the highest 9 month CD rate we track: 4.50% APY, with no minimum deposit. Next are E*TRADE and Bread Savings at 4.40% and Marcus at 4.30%. Every rate was checked at each bank’s own website between Oct 19 and Oct 27, 2026; the table shows the date each bank says its rate applies.
A 9 month CD locks in a fixed rate for 9 months. Below are the 9 month rates from every bank and credit union we review, sorted by APY. When two rates tie, the lower minimum deposit comes first.
9 month CD rates compared
| CD | APY | Rate as of | Minimum deposit | Early withdrawal penalty |
|---|---|---|---|---|
| Synchrony CD | 4.50% | Oct 27, 2026 | $0 | 90 days of interest |
| E*TRADE CD | 4.40% | Oct 20, 2026 | $0 | Not stated online |
| Bread Savings CD | 4.40% | Oct 19, 2026 | $1,500 | 90 days of interest |
| Marcus High Yield CD | 4.30% | Oct 19, 2026 | $500 | 90 days of interest |
| Barclays Online CD | 4.00% | Oct 7, 2026 | $0 | 90 days of interest |
| Service Credit Union certificate | 4.00% | Sep 8, 2026 | $500 | Not stated online |
| Capital One 360 CD | 3.75% | Oct 19, 2026 | $0 | 3 months of interest |
| Sallie Mae CD | 3.20% | Oct 20, 2026 | $2,500 | Not stated online |
“Rate as of” is the date each bank says its rate applies. Peak Bank and Always.bank show rates as of the day you view them; we list the day we checked. For comparison, the FDIC national average is 1.39% for 6 month CDs and 1.76% for 1 year CDs, as of Oct 19, 2026. Service Credit Union is a credit union; its certificates are NCUA insured and you must become a member to open one (anyone can join free through a partner association).
CD rates change often for new deposits. Once you open a CD, your rate is fixed for the term.
The top 9 month CDs, in detail
Synchrony CD: 4.50% APY
Synchrony pays 4.50% APY on its 9 month CD (as of Oct 27, 2026) with no minimum deposit. The early withdrawal penalty on this term is 90 days of interest. Synchrony offers many terms, and you can add money only during the 10 day grace period at maturity. Read our Synchrony CD review.
E*TRADE CD: 4.40% APY
E*TRADE pays 4.40% APY on its 9 month CD (as of Oct 20, 2026) with no minimum deposit. The early withdrawal penalty on this term is not stated on its website. E*TRADE CDs are held at Morgan Stanley Private Bank, and your rate is the one in effect when your funds settle. Read our E*TRADE CD review.
Bread Savings CD: 4.40% APY
Bread Savings pays 4.40% APY on its 9 month CD (as of Oct 19, 2026) with a $1,500 minimum deposit. The early withdrawal penalty on this term is 90 days of interest. Bread accepts up to $1 million per CD. Read our Bread Savings CD review.
Marcus High Yield CD: 4.30% APY
Marcus pays 4.30% APY on its 9 month CD (as of Oct 19, 2026) with a $500 minimum deposit. The early withdrawal penalty on this term is 90 days of interest. If Marcus raises the rate on your term within 10 days of opening, you get the higher rate, and support is available 24/7. Marcus pays the same rate on every term from 12 months to 6 years. Read our Marcus CD review.
Barclays Online CD: 4.00% APY
Barclays pays 4.00% APY on its 9 month CD (as of Oct 7, 2026) with no minimum deposit. The early withdrawal penalty on this term is 90 days of interest. You must fund the CD within 14 days, and you get a 14 day grace period at maturity. Read our Barclays CD review.
How much does a 9 month CD earn?
| CD | APY | Interest on $10,000 | Interest on $25,000 |
|---|---|---|---|
| Synchrony | 4.50% | $336 | $839 |
| E*TRADE | 4.40% | $328 | $821 |
| Bread Savings | 4.40% | $328 | $821 |
| Marcus | 4.30% | $321 | $802 |
| Barclays | 4.00% | $299 | $746 |
Interest compounded at the APY for the full 9 months, with nothing withdrawn, using the rates above. Illustration only; rounded to the nearest dollar.
What an early withdrawal would cost
On $10,000 in a 9 month CD, 90 days of interest at Bread Savings (4.40%) is about $108; 90 days of interest at Marcus (4.30%) is about $106. Penalties are usually charged as days of simple interest, and at some banks they can come out of principal if you have not earned enough interest yet. Banks that do not publish their penalty online give the schedule when you open the account.
How it compares with other terms
- Best 6 month CD rates: the top rate we track is 4.35% at Popular Direct.
- Best 1 year CD rates: the top rate we track is 4.65% at CFG Bank.
- Compare every CD we review, scored on rate, minimum, penalties and safety.
Frequently asked questions
What is the best 9 month CD rate right now?
Synchrony at 4.50% APY (as of Oct 27, 2026), with no minimum deposit, among the CDs we review.
Which 9 month CDs have no minimum deposit?
Synchrony (4.50%), E*TRADE (4.40%), Barclays (4.00%), Capital One (3.75%).
What is the penalty for cashing out a 9 month CD early?
Among the banks that publish it, the penalty on this term is 90 days of interest or 3 months of interest, depending on the bank. Check the bank’s account agreement before you open.
Are these CDs insured?
Yes. Every bank here is FDIC insured up to $250,000 per depositor, per ownership category, and Service Credit Union certificates have the same coverage through the NCUA.
Compare today’s top savings rates
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