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: 0.83%

There was only 1 fluctuation in certificate of deposit rates in this week's survey.

The 5-year CD yield was 0.83%, down 1 basis point from last week. A basis point is one-hundredth of 1%, or 0.01%.

The typical 1-year CD yield was 0.27% for the 14th week in a row.

For a deposit of $100,000, the average 1-year jumbo CD yield was 0.31% for the 21st consecutive week. For a 5-year jumbo CD, the yield was 0.89% for the 2nd consecutive week.

For the 5th straight week, the average money market account yield was 0.11%.

CD Basics

Liquid CDs: Your cup of tea?

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

Certificate of deposit investing strategies

Considering your investments carefully will lead to better rates and bigger returns. 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

CD ladder: Is it worth the climb?

CD ladders still have value. Find out how you can benefit even as rates have stalled. Read more

CD rates to rise slowly in 2016

CD rates have been dismally low. Will they improve if the Fed raises rates this year? 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    The length of time until the CD matures and the money deposited within can be withdrawn without penalty.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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