How much interest can a $40,000 3-year CD earn at today's rates?
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TL;DR
- A $40,000 3-year CD can provide a fixed interest rate around 4% or higher, protecting principal from market volatility.
- In September, a 3-year CD can offer rates up to 4.50%, yielding between $5,450.36 and $5,646.64 upon maturity.
- Current 3-year CD rates are significantly higher than in July and June 2025.
- Savers may benefit from waiting to see if the Federal Reserve raises interest rates on September 16, which could further increase CD rates.
- It's crucial to shop around for the best rates and understand early withdrawal penalties before committing to a long-term CD.