CDBs Yielding Up to 14.94% Per Year: Discover the Most Profitable Investments of September 2025
- What Are the Best CDB Rates in September 2025?
- Post-Fixed CDBs: Highest Yields Tied to CDI
- Inflation-Linked CDBs: Beating Public Bonds
- Fixed-Rate CDBs: Stability with High Returns
- Key Factors to Consider When Choosing a CDB
- FAQ: CDB Investments in September 2025
In September 2025, Certificates of Bank Deposit (CDBs) continue to offer attractive returns, albeit slightly lower than previous months. According to data from Quantum Finance, fixed-rate CDBs reached up to 14.94% annually, while inflation-linked options peaked at IPCA +9.99%. This analysis covers over 700 CDBs across various terms and benchmarks, highlighting the financial institutions' appetite for funding and the diverse opportunities for investors. Below, we break down the top-performing CDBs by category, along with key considerations for choosing the right investment.
What Are the Best CDB Rates in September 2025?
The CDB market in September 2025 showcases a mix of fixed, inflation-linked, and post-fixed options. While rates have dipped slightly compared to July, they remain historically high, making CDBs a compelling choice for conservative and moderate investors alike. Here’s a detailed look at the top performers:
Post-Fixed CDBs: Highest Yields Tied to CDI
Post-fixed CDBs, which are linked to the CDI (Interbank Deposit Certificate), continue to dominate the market. The standout this month is Qista, a credit and financing company, offering a staggering 107% of the CDI for 24-month terms. For shorter durations, Banco Pine leads with 105% for 3-month terms, while Banco Inter offers 103% for 6-month terms. Here’s a quick comparison:
| Benchmark | Term (Months) | Min Rate | Avg Rate | Max Rate | Issuer (Max Rate) |
|---|---|---|---|---|---|
| %CDI | 3 | 90.00% | 99.92% | 105.00% | Banco Pine |
| %CDI | 6 | 96.50% | 98.12% | 103.00% | Banco Inter |
| %CDI | 12 | 90.00% | 100.01% | 106.30% | Banco C6 |
| %CDI | 24 | 96.81% | 99.07% | 107.00% | Qista |
| %CDI | 36 | 99.62% | 100.53% | 104.50% | BR Partners |
Inflation-Linked CDBs: Beating Public Bonds
For those wary of inflation, CDBs tied to the IPCA index offer a hedge with competitive returns. Banco ABC Brasil leads the pack with IPCA +9.99% for 12-month terms, while Haitong Bank offers IPCA +8.36% for 36-month terms. These rates outperform many government bonds available on Tesouro Direto, making them a solid alternative.
| Benchmark | Term (Months) | Min Rate | Avg Rate | Max Rate | Issuer (Max Rate) |
|---|---|---|---|---|---|
| IPCA | 12 | 8.90% | 9.59% | 9.99% | Banco ABC Brasil |
| IPCA | 24 | 7.63% | 8.13% | 8.70% | Haitong Bank |
| IPCA | 36 | 7.06% | 7.72% | 8.36% | Haitong Bank |
Fixed-Rate CDBs: Stability with High Returns
Fixed-rate CDBs provide predictable returns, ideal for investors seeking stability. Stellantis Financiamentos tops the list with 14.94% for 3-month terms, while Sinosserra Financeira offers 14.40% for 36-month terms. These rates are particularly appealing in a volatile market environment.
| Benchmark | Term (Months) | Min Rate | Avg Rate | Max Rate | Issuer (Max Rate) |
|---|---|---|---|---|---|
| Fixed | 3 | 14.94% | 14.94% | 14.94% | Stellantis |
| Fixed | 6 | 14.20% | 14.46% | 14.74% | Banco ABC Brasil |
| Fixed | 12 | 13.85% | 14.22% | 14.75% | Sinosserra |
| Fixed | 24 | 12.86% | 13.11% | 13.31% | Haitong Bank |
| Fixed | 36 | 12.77% | 13.41% | 14.40% | Sinosserra |
Key Factors to Consider When Choosing a CDB
While CDBs are backed by the Credit Guarantee Fund (FGC) up to R$250,000 per CPF and institution, investors should still evaluate:
- Credit Risk: Assess the financial health of the issuing bank.
- Liquidity: Some CDBs have early redemption penalties.
- Term Alignment: Match the CDB’s maturity with your financial goals.
This article does not constitute investment advice. Always consult a financial advisor before making decisions.
FAQ: CDB Investments in September 2025
What is the highest CDB rate available in September 2025?
The highest fixed-rate CDB offers 14.94% annually from Stellantis Financiamentos for a 3-month term.
Are CDBs safer than government bonds?
CDBs are backed by the FGC, similar to government bonds, but carry issuer credit risk. Diversification is key.
How do inflation-linked CDBs work?
They combine the IPCA inflation rate with a fixed premium (e.g., IPCA +9.99%), protecting against inflation.
