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On September 19, 2024, the Federal Reserve’s target range for the federal funds rate was 4.75% to 5%, but that was not a rate consumers could earn on a certificate of deposit (CD). The available dated figures provide context for the market—not a verified ranking of the best bank CD offers.
What the September 19, 2024 figures show
The Federal Reserve’s September 18 decision took effect the next day. Its implementation note directed the New York Fed’s trading desk to maintain the federal funds rate within a target range of 4.75% to 5%. The Fed also set interest on reserve balances at 4.9%, and reduced the primary credit rate to 5%, effective September 19. These are central-bank policy rates, not consumer CD APYs.
For market context, the U.S. Department of the Treasury reported a 3.93% 1-year constant-maturity yield and a 3.73% 10-year yield on September 19, 2024. Treasury yields are government benchmark rates, not bank deposit offers.
How the figures compare—and what they mean
| Measure | September 19, 2024 figure | What it represents |
|---|---|---|
| Federal funds target range | 4.75%–5% | Federal Reserve policy target, effective September 19; not a consumer CD APY. |
| Interest on reserve balances | 4.9% | Rate set by the Federal Reserve, effective September 19; not a consumer CD APY. |
| Primary credit rate | 5% | Federal Reserve lending rate for depository institutions, effective September 19; not a consumer CD APY. |
| 1-year Treasury constant-maturity yield | 3.93% | U.S. Treasury benchmark yield reported for September 19; not a deposit offer. |
| 10-year Treasury constant-maturity yield | 3.73% | U.S. Treasury benchmark yield reported for September 19; not a deposit offer. |
| 36-month CD national rate | 1.43% | FDIC national statistic for September 2024, not an individual bank’s offer. |
| 36-month CD rate cap | 5.30% | FDIC rate-cap figure for September 2024, not a best-offer ranking. |
The FDIC figures are limited to the official search-result information available for the September 2024 national-rate page; the page itself returned a 403 error when accessed. They should be read only as national statistics, not as proof that a particular bank offered a specific APY.
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#1 Best Overall
Budget Planner - Monthly Finance Organizer with Expense Tracker Notebook to Manage Your Money Effectively, Undated Finance Planner/Account Book, Start Anytimem,A5(8.6x5.9 inchs),100gsm Paper - Silvery
- EFFECTIVELY MANAGE YOUR MONEY - Our budget planner helps you take control of your finances by providing sections for financial goals, savings, debts, daily expenses, monthly budget, monthly budget review. This finance planner is a good finance book and will help you manage your money effectively.
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- ORGANIZED MONTHLY GOALS & BUDGETS - Our 12-month budget planner helps you set monthly goals, budgets, reviews, and develop good monetary habits, strategies, and action plans. Write down monthly financial goals, put reminders of bills and payments on the calendar, plan your monthly budget in each category, track daily expenses, and review the monthly budget at the end of the month.
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What this snapshot can—and cannot—tell you about CD rates
A CD’s annual percentage yield (APY) is set by the particular financial institution and offer. It may depend on the CD term, minimum opening deposit, early-withdrawal penalty, eligibility rules, and geographic availability. The dated figures above do not establish the highest bank offer on September 19, 2024, and they cannot be used to identify a winning bank or infer an individual account’s terms.
In particular, a federal funds target, reserve rate, primary credit rate, Treasury yield, or FDIC national average is not a substitute for a bank’s advertised APY. Comparing actual CD offers requires dated bank-level information about the APY and the account terms attached to it.
Rank #2
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Why this is a historical rate snapshot
“Today” in the title refers to September 19, 2024, not to current CD rates. Rates change, and this historical snapshot is not a current rate ranking. The Federal Reserve’s policy decision is documented in its September 18, 2024 implementation note; Treasury’s dated benchmarks appear in its daily Treasury par yield curve.
Quick Recap
Bestseller No. 3
Best Value
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Rank #4
SUNEE Budget Planner - Monthly Budget Book with Expense Tracker Notebook, Undated 12 Month Bill Organizer & Finance Planner to Manage Your Money, A5(6.4" x 8.3") Account Book with Colorful Tab, Black
- Effective Budget Plan Book – Take control of your finances with the SUNEE budget account book. This all-in-one budget planner allows you to plan and track your income, expenses, savings, and financial goals. Its intuitive layout and easy-to-use sections help you stay organized and make smart decisions to reach financial success. Our financial planner also included a comprehensive guidebook with valuable tips and instructions to help you get the most out of your budgeting planner.
- Full-Page Calendars – Each month’s full-page calendar provides plenty of space to track paydays, bills due dates, appointments, and important events. No more cramped boxes or tight writing areas, you can easily plan and organize your schedule at a glance.
- Colorful Pages Layout and Tabs – This vibrant budget planner features a user-friendly design for easy navigation and organization. Each month includes dedicated budget pages to set financial goals, track income, and plan expenses. Additional sections like debt trackers, savings goals, and bill payment trackers make managing your finances a breeze. The colorful backgrounds on each page offer clear, instant visibility.
- Bonus 4 Stickers and Convenient Design – This monthly budget planner is built for convenience and durability. Water-resistant cover protects against spills, while the elastic band keeps everything secure, and the dual-sided pocket offers extra storage. Plus, we’ve included 4 adorable sticker sheets to personalize your planner and make budgeting more enjoyable. Experience a budget planner that combines practicality with lasting quality.
- UNDATED DESIGN & 1 YEAR USE - Undated finance books start with 1 page-financial goals, 1 page-Mind Map, 1 page-Financial Strategy, 1 page-Tactics, 2 pages-Important Dates, 4 pages-Bill Tracker, 4 pages-Saving Tracker, 8 pages-Debt Tracker, followed by 12 Months(10 pages per month, 1 unique color for each month). 2 pages-Christmas Budgeting, 2 pages-Yearly Summary, 2 pages-Check Register and 12 pages-Notes(dotted). It is UNDATED, so you could start at any time, suitable for 1 year use.
Rank #3
Clever Fox Budget Planner, Monthly Bill Tracker Book 5.8"x8.3" Brown
- TAKE CONTROL OF YOUR MONEY & ACHIEVE YOUR FINANCIAL GOALS - Are you looking for the best monthly budget planner to keep your finances organized? Clever Fox Budget Book will help you keep your money organized, spend well and start saving.
- FIND THE BEST WAY TO ACHIEVE YOUR FINANCIAL GOALS - This budget organizer is not just a tool; it's a framework for achieving your financial goals. The finance planner helps you develop a strategy and break your ambitious goals into manageable monthly tasks.
- EASILY CONTROL YOUR SPENDING, DEBTS & SAVINGS - This money planner is undated and covers 12 months. Every month features a calendar, a budget plan, and an expense tracker. The budgeting planner also includes 8 savings and 12 debt trackers.
- USER GUIDE & BUDGETING STICKERS - Measuring 5.8 by 8.3 inches, this bill planner features a vegan leather hardcover, thick 120gsm paper, pen loop, elastic band, 3 bookmarks, pocket for receipts, budgeting stickers, and a user guide.
- 60-DAY GUARANTEE - We will exchange or refund your Budget Planner Organizer if you aren’t satisfied with your budgeting workbook for any reason. Reach out to us via message to refund your financial planner.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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