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 01/29/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.69^%_APY

National Average

1.89^%_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.

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Latest articles

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.

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

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.

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.

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

Powell faced criticism from Democratic congressmen for his positive evaluation of the job market despite a period of slow pay gains.

Federal Reserve Chairman Jerome Powell delivered a positive assessment of the U.S. economy that nonetheless faces some risks.

Experts are betting that a recession will occur by the end of 2021, a new survey suggests.

Will the Federal Reserve raise borrowing costs two times in 2019, as it initially anticipated? That’s a question even the officials on the inside can’t answer.

It could save you time when switching accounts and even inspire you to build a bank of your own.

Man and woman walking past Wells Fargo in Manhattan

Are bank mistakes giving you a headache? Here’s what to do.

Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.

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A new Bankrate survey also finds 1 in 4 Americans is open to buying a home in 2017.

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