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The available September 3, 2024 roundup reported top one-year CD offers of 5.00% to 5.36% APY—but the publisher said those offers were accurate as of August 2024. They are a historical comparison, not verified rates available on September 3 or today. The exact-day market average and a complete ranking of offers for September 3 are not established by the available sources.
What were the best one-year CD rates around September 3, 2024?
Fox Business/Fox Money’s roundup, updated September 3, 2024, listed one-year CD rates from 5.00% to 5.36% APY. Crucially, the article said the offers were accurate as of August 2024, so the figures should not be read as live September 3 quotes or as a complete census of the market. The roundup also reported a 1-year average APY of 1.80%, attributed to Red Ventures; that is the roundup’s cited figure, not an official FDIC September 3 average. Fox Business/Fox Money’s rate roundup
| Institution | Listed 1-year APY | Listed minimum deposit |
|---|---|---|
| CIBC Bank | 5.36% | $1,000 |
| Bask Bank | 5.30% | $1,000 |
| Prime Alliance Bank | 5.30% | $500 |
| Popular Direct | 5.30% | $10,000 |
| Bread Savings | 5.25% | not stated in the roundup |
| Fulbright Bank | 5.25% | not stated in the roundup |
| TAB Bank | 5.15% | not stated in the roundup |
| Alliant Credit Union | 5.15% | not stated in the roundup |
| Marcus by Goldman Sachs | 5.15% | not stated in the roundup |
| BMO Alto | 5.05% | not stated in the roundup |
| Capital One 360 | 5.00% | not stated in the roundup |
| Barclays Bank | 5.00% | not stated in the roundup |
| Vio Bank | 5.00% | not stated in the roundup |
| BrioDirect | 5.00% | not stated in the roundup |
Every rate and minimum in the table is from the roundup, whose stated offer-validity date is August 2024. “Not stated” means the roundup did not provide a minimum in the information available here; it is not evidence that an account had no minimum.
Why the FDIC’s September figure is not a September 3 benchmark
The FDIC’s September 2024 National Rates and Rate Caps publication is dated September 16, thirteen days after the title date. It offers later-in-month context, but it cannot establish the national rate on September 3. The FDIC page describes monthly rate and rate-cap information: FDIC National Rates and Rate Caps.
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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.
- PREMIUM QUALITY - Our budget planner is made with high-quality 100gsm paper that reduces ink leakage, fraying, and shade issues. The sturdy and flexible cover,, helps protect the pages. The metal lay-flat twin-wire binding ensures durability and longevity.
- 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.
- FLEXIBLE USAGE - Our undated finance planner allows you to start at any time and place, making it convenient to use. It has a perfect size of 8.6x5.9 inches and fits in every bag, so it's always at hand.
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Accordingly, the 1.80% 1-year average cited by the Fox roundup should remain attributed to Red Ventures as reported there. It should not be presented as the FDIC’s September 16 statistic or as a precise September 3 average.
How a one-year CD works
A one-year certificate of deposit generally holds money for a set 12-month term at a fixed rate. In exchange for that rate, you give up access to the funds until maturity; withdrawing early typically triggers a penalty, with the specific terms set by the institution. Some CDs renew automatically at maturity, so the renewal terms and the time allowed to withdraw or change instructions—the grace period—matter too.
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.
What to compare beyond APY
- Rate date and term: Check when the quoted APY applies and whether the term is actually one year. A historical rate list is not a current offer.
- Minimum deposit: The listed minimums varied substantially among the highest offers, from $500 at Prime Alliance to $10,000 at Popular Direct.
- Early-withdrawal penalty: Compare the exact penalty and consider whether you might need the money before maturity.
- Fees and eligibility: Check account fees and any geographic, membership, or other opening requirements.
- Deposit insurance: The roundup says most bank CDs are FDIC-insured and most credit-union CDs NCUA-insured, generally up to $250,000 per depositor. Confirm the institution, insurer, ownership category, and your combined deposits before relying on a coverage limit.
- Maturity and renewal: Find out whether the CD renews automatically, what rate would apply at renewal, and how long the grace period lasts.
A higher APY is not automatically the better fit if its minimum is too large or you may need liquidity before maturity. Review the institution’s current account disclosures rather than relying on a 2024 comparison for present-day terms.
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.
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- 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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