Certificates Of Deposit
Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.
Explore CD basics
Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Stay updated on CD rate trends
CDS
CD rates forecast for 2026
CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.
CDS
Historical rate trends
Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.
WEEKLY
Current CD interest rates
Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.
Weekly CD Rates
Bankrate consistently has offers well above the national average to help you earn more on your savings.
Bankrate Partner Average
The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 10/21/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 10/21/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
4.15%APY
VS
National Average
2.16%APY
Compare top-rated banks
Calculate your estimated CD earnings
Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.
Learn more
- Introduction to Certificates of Deposit
CDs often pay better interest than savings accounts and can amp up your nest egg.
CDs hold your funds for a set period. In exchange, you get a reliable return.
Savers, here are strategies to invest in CDs.
CDs come in many varieties, making it easy to find one that meets your needs.
Everything you need to know about opening an account.
These tips can help maximize your savings using certificates of deposit.
Find out what happens to CDs that are set to mature.
Latest articles
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Planning for retirement? Here’s what you need to know about IRA CDs.
Take a look at the days when CDs were offering investors double-digit returns.
A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]
CD terms can range from three months to five years. Learn which one is right for you.
Find out what happens to CDs that are set to mature.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
How Reg. D impacts your savings account and why it pays to check with your bank.
Every financial decision you make is impacted by the Federal Reserve.
You can find a CD account that significantly out-earns the national average if you shop around among banks.
Credit card interest rate drops will likely provide little relief in 2026.
Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
After years of being passed over by established banks, startups are working to shift the paradigm in financial services and better serve LGBTQ customers. Here’s what the disruptors are building, how [...]
Learn the key characteristics of certified checks and how they differ from other types of payments.
Inflation can eat away at your purchasing power, if you’re not keeping up with it.
These tips can help you manage your money more wisely and make you a bit richer.
More than half of Americans also say the U.S. economy is on the wrong track.
Tariffs haven’t created much inflation. You still won’t hear the Fed say all clear.
Here’s what you need to know about how money orders work.
Losing a cashier’s check is much different than losing a personal check.
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