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Certificates of deposit are simple, safe vehicles for investing, especially valuable for the investor who is adverse to risk. Become a master saver, find out how earnings are calculated and lots more at our savings basics.

Before buying a CD at your local savings institution, search around for the highest yields. We make it easy. Bankrate surveys more than 4,800 financial institutions in all 50 states each week to find out which offers the best returns.
Find the best deals in your neighborhood.

When is the best time to buy? Each week, financial experts across the nation weigh in on where CD yields are headed. Find out more from the weekly Rate Trend Index.

CDs come in a variety of flavors each with unique saving opportunities. Here are a few choices:

It's easy to stretch your earnings when you have a plan. Check out these tips and strategies for buying CDs:

8 questions to ask before purchasing a CD
"Ladder" for best returns
Ladders, barbells and bullets: Choose your savings tool
What to do when your CD is due
What's the penalty for early withdrawal?

 

 

 

How would you like us to let you know when CD rates are to your liking? Sign up for our CD Rate alert and we'll watch the rates for you.

Stay up-to-date on the latest trends and news in the world of savings. Sign up for the CD Shopper newsletter to be delivered to your inbox each week.

Need some expert advice? Check out what our experts have to say about CDs or ask a question.

Start savings here!
Find the best CD yields for you!

So the math
How much interest will I earn? Plug your numbers into this calculator to find out.

What interest rates do you need to to reach your savings goal?

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QUICK LINKS
Understanding those words in fine print
Find the best deals in your neighborhood
Rate Trend Index
What is a "jumbo" CD?
What's a callable CD?
Flexible CDs stretch your savings options
8 questions to ask before purchasing a CD
Ladder for best returns
Ladders, barbells and bullets: Choose your savings tool
What to do when your CD is due
What's the penalty for early withdrawal?
CD Rate alert
CD Shopper
Savings archives
Ask the experts

CALCULATORS
How much interest will I earn?
What will it take to save for a goal?
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