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

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

CDS

CD rates forecast for 2024

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.

See our top CD rates

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 02/07/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.70^%_APY

National Average

1.90^%_APY

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Stephen Kates, CFP

Bankrate Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

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

Latest articles

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Person frowning at a laptop screen with illustration of money in background

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

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 [...]

Asian women using laptop computer at home working space.

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.

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

Coworkers discussing project and having work meeting

Here are differences between CDs and share certificates, and which one to choose.

Everything you need to know about opening an account.

The Federal Reserve’s decisions have ripple effects, including for mortgages.

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

A Black couple talk to a salesperson at a car dealership.

Auto rates will likely not decrease this year. Consider how to still save.

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

The Federal Reserve held rates steady at its January 2026 meeting.

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

The best way for investors to deal with the Fed’s interest rate changes? Focus on your long-term investment plan.

Pink piggy bank stuffed with dollar bills

Even as interest rates drop, some top-yielding savings accounts remain competitive.

Business man hand writing and signing white blank bank check book

We list seven ways to endorse a check and how to process it correctly and securely.

Use this challenge to stash more cash toward your savings goals.

Federal Reserve Board Federal Reserve Chairman Jerome Powell speaks during a news conference.

Fed officials, however, are uncertain about how many times they’ll be able to cut borrowing costs in 2025.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Design element of Federal Reserve Chair Jerome Powell

The Fed is expected to cut interest rates a third time. Here’s what to watch.

A woman shopping during the holiday season.

These holiday savings accounts are still available at many small banks and credit unions. But are they the best way to save?

Fed officials are still widely expected to cut interest rates for a third time.

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