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.

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CDs come in many varieties, making it easy to find one that meets your needs.

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 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.

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 11/06/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.18^%_APY

National Average

2.11^%_APY

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.

Planning for retirement? Here’s what you need to know about IRA CDs.

Clocks are displayed across an image of a dollar bill.

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.

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.

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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.

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

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

Federal Reserve Eccles Building illustration

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.

Illustration of a US Federal Reserve ink stamp

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.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

Women using digital tablet to check her finances at home office

For savers, here’s what to consider when the Fed lowers interest rates.

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Emergency savings depleted? Here’s how to start replenishing it.

Image by Getty Images, illustration by Bankrate

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