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

DAILY

Today's CD rate news

Explore the highest CD rates by term every weekday and learn how economic trends can affect your rate.

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 05/25/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.00^%_APY

National Average

1.99^%_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

Greg McBride, CFA

Chief 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.

CD rates may seem attractive, but in 2025’s uncertain environment, they create a lose-lose scenario that could cost you money.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

Here’s everything you need to know about brokered CDs.

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

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

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

Add-on CDs can offer more flexibility than a traditional CD.

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

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

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

Design element including image of Jerome Powell

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

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

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

Banking_How-the-Fed-Rate-Affects-Housing_

The Fed has hit the pause button on rates. How will it affect the housing market?

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

Experts weigh in on ways to improve safety for using the more than 50-year old technology.

Here’s what a proposed tax credit for travel could mean for you.

When it comes to handling a windfall, don’t rush it. You’re going to want to make a financial plan.

A long road likely lies ahead for the economy. What stimulus might we see to help a return to normal?

A restaurant worker hands a bag to a woman with a facemask

And here’s how Americans can stay protected in the future.

A usually busy Main Street in Livingston , Montana

A deep, prolonged downturn separates the inevitable recession from its uglier counterpart, the depression.

Federal Reserve Chairman Jerome Powell at post-FOMC meeting press conference

With the U.S. economy facing a sharp recession, rock-bottom rates are expected to continue.

Here’s how to optimize your saving strategy in a tough economy.

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