CD Rates

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

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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.

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Compare CD rates nationally and in your area.

Interest Rate Roundup


  • 1-year CD yields: 0.33%
  • 5-year CD yields: 0.85%

Rates on certificates of deposit were mixed in Bankrate's weekly survey of CD rates.

The five-year CD yield stayed at 0.85 percent. The typical one-year CD yield rose to 0.33 percent.

For a deposit of $100,000, the average one-year jumbo CD yield increased to 0.36 percent. The five-year jumbo CD yield was stagnant at 0.9 percent.

The average money market account yield again stayed at 0.11 percent for the 35th consecutive week.

CD Basics

How to complain about your bank

If you think your bank or credit union made a mistake, these agencies offer assistance. Read more

Treasury securities a safe choice

These government-backed investments offer a risk-free way to save. Read more

Thrift, bank or credit union?

Do you do your saving at a bank, a thrift, or a credit union? Here's how to know. Read more

Lock up higher interest with CDs

Certificates of deposit offer fatter returns on your savings -- but there's a catch. 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 rates to rise slowly in 2017

CD rates have been dismally low. Will they improve if the Fed raises rates this year? Read more

Use TIPS to battle inflation

As inflation concerns grow, take a look at Treasury inflation-protected securities. 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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