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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

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
IRS building
Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

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.

Latest articles

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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Bank sign on glass wall of business center
Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.
CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.
These certificates of deposit (CDs) have no minimum deposit.
Holding up a golden piggy bank, balancing on one finger
CDs and fixed annuities can be great retirement options. Here are the differences.
A long spiral staircase.
Step-up CDs can help you potentially earn a higher rate of return later on.
Cropped shot of a businessman using his computer in his home office
Find out which CD term is best for your financial goals in a lower rate environment.
Illustration of calculator and stacks of cash
If you have $2,500 to invest in a CD right now, here’s how much you could earn.
A woman holding a "home for sale" sign
Following the Federal Reserve rate cut in September, you might be asking, is it time to buy or sell a home? Here are some insights.
Outside of the Federal Reserve building
The Federal Reserve just lowered interest rates for the first time in four years.
Residential area with architectural homes on Main Street
And if so, how low can they go?
Illustration of a person holding a house with a rain cloud over it
How might a recession affect the housing market?
Woman reaching in to the air for cash
Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
Picture of the front of the Federal Reserve building
A look at what a bank bailout is with some examples of notable bank bailouts from the past.
Man working on laptop and cellphone simultaneously
If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Fed Chair Jerome Powell speaks during a news conference
Fed officials are trying to prevent an economic slowdown from getting worse.
Google's corporate campus.
Tech companies are flirting with the idea of offering checking accounts. Should you sign up?
toolbox and tools
These are the basic accounts you need to jump start your financial life.
Federal Reserve Chairman Jerome Powell delivers press conference
Will it be enough to keep the economic expansion going?
Federal Reserve Chairman Jerome Powell
A rate cut seems like a given, but what’s next? 
This window may even prevent bank failures and insolvency. Here’s how it works.
Federal Reserve Chairman Jerome Powell hosts news conference following interest-rate decision.
Here’s what the U.S. central bank decided to do with interest rates.
Fed Chairman Jerome Powell speaks to journalists at a June 19 press conference
How much of a rate cut can we expect from the Fed?
Federal Reserve Chairman Jerome Powell speaks to journalists during the Fed's July 31 post-meeting press conference.
Will the Fed cut rates for a second-straight meeting?
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