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 06/18/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.99^%_APY

National Average

2.02^%_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

Coworkers discussing project and having work meeting

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

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

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.

Step-up CDs can help you potentially earn a higher rate of return later on.

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.

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

It just might be. But don’t forget the fundamentals of how home equity loans work.

New Friends Walking on University Campus

The Federal Reserve’s actions can influence student loan interest rates.

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

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

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

Banking_How-the-Fed-Rate-Affects-Housing_

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

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

The Fed continues to delay any interest rate moves amid persistently low inflation.

The Fed might find itself in a tricky situation.

GDP expanded by 3.2 percent, but gains came from the typically more volatile components.

The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.

The free stock trading outfit had previously walked back deposit product plans.

Federal Reserve officials are giving themselves room to be flexible with monetary policy.

Challenged by fintech startups, banks are pushing new services to customers.

The Fed voted to leave interest rates alone for the second-straight meeting.

The trusted provider of accurate rates and financial information