CD Rates

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

CD Rate Type:

Important information about our rate tables +-

  • The rate information above is obtained by Bankrate from the listed institutions. Bankrate cannot guaranty the accuracy or availability of any rates shown above. Institutions may have different rates on their own websites than those posted on
  • All rates are subject to change without notice and may vary branch to branch. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
  • Consumer Satisfaction: Bankrate attempts to verify the accuracy and availability of its Advertisers' terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the institution you choose, please click here.
  • Rate collection and criteria: Click here for more information on rate collection and criteria.


Compare CD rates nationally and in your area.

Interest Rate Roundup


  • 1-year CD yields: 0.3%
  • 5-year CD yields: 0.8%

Rates on certificates of deposit were unchanged this week in Bankrate's weekly survey of CD rates.

The 5-year CD yield stayed at 0.8% for the fifth week. The typical 1-year CD yield remained at 0.3% for the second straight week.

For a deposit of $100,000, the average 1-year jumbo CD yield held at 0.33% for the ninth consecutive week. The 5-year jumbo CD yield stayed at 0.86% for the eighth straight week.

The average money market account yield stayed at 0.11% for the 15th consecutive week.

CD Basics

Certificate of deposit investing strategies

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

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

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

Rising-rate CDs mostly fall flat

Bankrate found these CDs don't live up to their promise of beating low rates. Read more

2016 CD survey: Bump-up CDs

Today's rates on standard CDs are dismal. See if a bump-up CD can hike your return. 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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