CD Rates

Find the best high yield CD rates below or read the latest certificate of deposits analysis here.

National High Yield:


Compare CD rates nationally and in your area.

Interest Rate Roundup


  • 1-year CD yields: 0.27%
  • 5-year CD yields: 0.85%

This week's survey of certificate of deposit rates changed by only a basis point.

For the 3rd week in a row, the average 1-year CD yield was 0.27%. The average 5-year CD yield registered at 0.85% for the 2nd straight week.

For a $100,000 deposit, the average 1-year jumbo CD yield was 0.31% for the 10th straight week. The 5-year jumbo yield rose 1 basis point to 0.9%.

A basis point is one-hundredth of 1%.

The average money market account yield was 0.09% for the 58th consecutive week.

CD Basics

Liquid CDs: Your cup of tea?

These certificates of deposit offer withdrawal flexibility, but the yields aren't too hot. Read more

Rising-rate CDs: Pros and cons

Bankrate's CD Study shows rising-rate CDs start slow, depend on market to catch up. Read more

Safety in Treasuries?

U.S. Treasury bills and bonds are almost always a solid investment. Why? They're backed by the U.S. government. Read more

Lock up higher interest

CDs often have interest rates leaps and bounds above those for savings accounts. Read more

CD Rate News

Weekly CD rates update

Here are the average CD rates from Bankrate's weekly survey of large banks and thrifts. Read more

Best 1-year credit union CDs

These credit unions pay more than 3 times the average yield on a 12-month CD. Read more

Best 5-year credit union CDs

Never settle for a mediocre CD. These credit unions pay more than twice the average yield. Read more

CD Rates Help

A certificate of deposit, or CD, is one of the safest and most predictable investments around. As long as the CD is backed by the FDIC, it's guaranteed not to lose principal, and in most cases, investors can count on earning a stable return for the full term of the CD. Find out more about the factors that you need to consider when choosing a CD below.

  • Term

    The length of time until the CD matures and the money deposited within can be withdrawn without penalty.

  • APY

    Short for annual percentage yield, APY is the total return of the CD per year, taking into account the beneficial effect of compounding.

  • Rate

    The percentage of the CD's principal paid out annually in interest. Does not take into account the effect of compounding.

  • Minimum deposit

    The minimum amount of money you need to open a particular CD. Banks may be willing to pay higher rates of interest on CDs with higher minimum deposits.

  • FDIC-insured

    Short for Federal Deposit Insurance Corporation, the FDIC is an independent government-backed agency that covers the deposits of accountholders at FDIC-insured banks. FDIC-insured deposits are backed by the full faith and credit of the U.S. government, and since the agency was established in 1933, no depositor has lost a single cent of insured principal.

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