9-Month CDs
Best 9-Month CD Rates
Nine-month CDs are less common, which makes them worth checking — banks sometimes run specials at odd terms like 9 or 10 months. They’re a good fit when a 6-month term is too short and a full year is too long. The top widely available listing in our table pays 4.35% APY.
3 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Brokered CD from an FDIC-insured bankListing #R9QVW · details on inquiryBrokered · FDIC | up to 4.58% | 9 months | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing R9QVW, 4.58% 9 months |
| ||||||
| Online bankListing #8QLPA · details on inquiryBank · FDICNo-penalty | 4.35% | 9 months | $500 | None — penalty-free CD with unlimited partial withdrawals | Deposit-rate newsletter |
Inquire about this CD for listing 8QLPA, 4.35% 9 months |
| ||||||
| FDIC-insured bankListing #6C5CL · details on inquiryBank · FDIC | 4.25% | 10 months | $1,000 | Confirm with institution | National rate survey |
Inquire about this CD for listing 6C5CL, 4.25% 10 months |
| ||||||
No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
Is a 9-month CD right for you?
Good fit if…
- Your target date is about three quarters of a year away
- You want to catch a promotional rate at a non-standard term
- You’re building a ladder with staggered maturities
Watch out for…
- Fewer institutions offer this exact term, so compare 8- to 10-month CDs too
- Specials may have limited availability or higher minimums
- Brokered “up to” yields can include callable CDs
What $10,000 could earn
Put $10,000 in the top widely available listing at 4.35% APY for 9 months and you’d earn about $324.51. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.
How to choose a 9-month CD
- Confirm the maturity date lines up with when you’ll need the money.
- Check the minimum deposit and any membership requirement.
- Read the early withdrawal penalty so you know the cost if plans change.
- Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
- Verify the live rate on the institution’s site before you apply.
9-Month CD FAQs
Why are 9-month CDs harder to find?
How much interest does a 9-month CD earn?
Can I find a 9-month no-penalty CD?
No questions match that search. Ask us directly.
Want help choosing a 9-month CD?
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.