Here's Why September Could Be the Smartest Month to Open a CD

Motley Fool

Sep 20, 2025

Image source: Getty ImagesAnyone with money in the bank, listen up: The Federal Reserve recently announced its first rate cut in nine months, and it has projected a drop in interest rates through 2027...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Most Discussed

{"basename":"","ssrTDKData":{"titleTemplate":"%s - Tiger Brokers","title":"Tiger Brokers | Global Stocks, Options & Futures Trading App","description":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","keywords":"tiger brokers,tiger trade,tiger brokers singapore,broker online,stock trading in singapore,share trading singapore,brokerage firm singapore,trading app,stock broker singapore,stock trading platforms,trading account","social":{"ogDescription":"Tiger Brokers, one-stop investment in US stocks, SGX stocks, HK stocks, A-shares & other global assets. One of the best stock trading platforms in Singapore.","ogImage":"https://c1.itigergrowtha.com/portal5/static/media/og-logo.be62fbe1.png","ogUrl":"https://www.itiger.com/news/2568212148"},"companyName":"Tiger Brokers"},"pageData":{"isMobile":false,"isTiger":false,"isTTM":true,"region":"SGP","license":"TBSG","edition":"fundamental"},"isCrawlerRequest":true,"__swrFallback__":{"@#url:\"https://stock-news.skytigris.cn/v3/news\",params:#id:\"2568212148\",edition:\"fundamental\",auth_exemption:1,,,undefined,":{"share":"https://ttm.financial/m/news/2568212148?lang=en_US&edition=fundamental","thumbnail":"https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FGettyImages-1040557624_cKfjcz1.width-1200_kqs.width-1200.jpg&op=resize&w=165&h=104","is_english":true,"pubTime":"2025-09-20 20:00","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2568212148","market":"us","top_or_hot":-1,"title":"Here's Why September Could Be the Smartest Month to Open a CD","media":"Motley Fool","content":"<div>\n<p>Image source: Getty ImagesAnyone with money in the bank, listen up: The Federal Reserve recently announced its first rate cut in nine months, and it has projected a drop in interest rates through 2027...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/heres-why-september-could-be-the-smartest-month-to-open-a-cd/\">Source Link</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here's Why September Could Be the Smartest Month to Open a CD</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHere's Why September Could Be the Smartest Month to Open a CD\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-09-20 20:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/money/banks/articles/heres-why-september-could-be-the-smartest-month-to-open-a-cd/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Image source: Getty ImagesAnyone with money in the bank, listen up: The Federal Reserve recently announced its first rate cut in nine months, and it has projected a drop in interest rates through 2027...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/heres-why-september-could-be-the-smartest-month-to-open-a-cd/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4116","symbol_name":"互联网服务与基础架构","start_time":0,"source_url":"https://www.fool.com/money/banks/articles/heres-why-september-could-be-the-smartest-month-to-open-a-cd/","article_id":"2568212148","we_media_id":null,"thumbnails":["https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FGettyImages-1040557624_cKfjcz1.width-1200_kqs.width-1200.jpg&op=resize&w=165&h=104"],"rights":{"source":"fool_stock","url":"https://www.fool.com/money/banks/articles/heres-why-september-could-be-the-smartest-month-to-open-a-cd/","rn_cache_url":null,"customStyle":"","selectors":".main-contain, #article-page","filters":"#sticky-wrapper, .navigation, .article-page-end, .foot, .author-tagline, .author-inline, .footer, .soc-share, .wysiwyg, .related-content","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2568212148","pubTimestamp":1758369600,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"When interest rates drop, rates on high-yield savings accounts fall, too. Learn why now's the perfect time to lock your money in a CD.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4116":"互联网服务与基础架构","CD":"Chaince Digital Holdings Inc."},"translate_title":"这就是为什么九月可能是打开CD最明智的月份","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CD":1.5},"content_text":"Image source: Getty ImagesAnyone with money in the bank, listen up: The Federal Reserve recently announced its first rate cut in nine months, and it has projected a drop in interest rates through 2027 and beyond. That means today's strong interest rates on high-yield savings accounts, for example, will soon be a thing of the past.There is one smart way to keep raking in interest, though: Locking your money in a certificate of deposit (CD), the best of which are still offering APYs of 4.00% or higher now.Those rates will soon disappear too, though. In fact, they're already on the decline. Here's how to lock in a strong CD rate while you still can.What is a CD, and how do I open one?Put simply, a CD is a type of savings account where you deposit your money for a set period, then earn a fixed interest rate in return.For example, let's say you put $10,000 in a 1-year CD that earns 4.00% APY. That means when your CD matures after the full year, you'll get your money back, plus 4.00% in interest -- $10,400.The catch? You have to lock your money in the CD for the full term, or you'll be hit with an early withdrawal penalty. With just a little discipline, though, CDs can be a great way to earn interest, even once rates have fallen off.Here's how to open a CD today:Decide on a term length: Shorter terms (3-12 months) offer you quicker access to your cash, while longer terms (2-5 years) have a longer guaranteed rate of return.Find the best rate: Online banks usually offer the highest APYs.Fund your account: Move your cash from an existing account to your new CD.Be patient -- don't touch your money: Most CDs charge a penalty for early withdrawals.Roll it over, or take the money and run: Once your CD matures, you can either withdraw your money or move it into another CD and do it all again.Sound easy enough? See our full list of the best CDs and lock in a high rate today while you still can.Should I open a CD now?If you're ever going to open a CD, now's the time to do it. By opening one today, you can keep earning a strong return over the next few months or years, even if rates plummet.They're a great choice for you if:You're saving for a short- to medium-term goalYou've already built up an emergency fund in your savings accountYou're cool with locking up your money in exchange for a guaranteed returnReady to get started? Check out our full list of the best CDs available now to lock in your high APY today.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}