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CD RATES
Rate Update
Home prices have fallen. Looking for a new home? Find a great mortgage rate here.

Compare CD rates
Find high yield CD rates from local banks with certificates of deposit.
Choose a certificate of deposit from several banks that offer high CD interest rates.
National CD & Investment Rates
Select a product to compare rates:
NATIONAL OVERNIGHT AVERAGESTODAY+/-LAST WEEK
6 month CD 0.41% 0.42%
1 yr CD 0.64% 0.65%
5 yr CD 1.31% 1.38%
1 yr IRA CD 0.75% 0.76%
5 yr IRA CD 1.55% 1.55%
About this index
Rates may include points

CD RATES NEWS & ADVICE
Want to negotiate CD rates? Good luck
How realistic is it to think that you can walk into a bank and argue for better CD rates?
CD rates may fall after bank fails
When protecting insured deposits, the FDIC sometimes sells the deposit base to another bank.
Low CD rates shouldn't derail savings
The bank gets to loan out your money, less any reserve requirement, at a net interest margin.
Are low rates a time to shorten CD ladder?
When mired in a low-rate environment, it can be tempting to shorten the CD ladder.
8 tips for buying a CD
The SEC, which oversees the selling of CDs, offers the following tips.
Boost your CD rates
For better than average rates you'll need to shop for high-yield CD rates or money market accounts.
Despite penalty, CD rates rival money market
Check the bank's CD rates and penalty provisions before making a long term decision.
Researching CD rates on Bankrate.com
Bankrate.com's home page, allows you to "compare CD rates in your area."
FDIC protects CD interest earnings
FDIC insurance covers both principal and accrued interest, up to the limits of deposit insurance.
9-percent CD return seems unlikely
CDs are typically low-risk investments because they have insurance coverage from the FDIC.
CD Rates | Investing Basics
Get paid to let banks use your money. CDs offer a fixed rate of return for a specific time.
How do I ... Ladder CDs?
When investing money, it can be hard to find safety, high returns and liquidity.
Avoid those early withdrawal blues
Banks are free to set their own penalties. Be careful when cashing the CD before it matures.
More CD & investing news
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* Mortgage rate may include points. See rate tables for details. Click here.
* To see the definition of overnight averages click here.

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