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 12/05/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.82^%_APY

National Average

1.92^%_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

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.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

Here’s how to proceed when your CD matures during falling rates.

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

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

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

How Reg. D impacts your savings account and why it pays to check with your bank.

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

Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.

A Black couple talk to a salesperson at a car dealership.

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

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

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

The Federal Reserve just lowered interest rates for the first time in four years.

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

Illustration of bag with dollar sign on it and allow in background, headline reading today's best high-yield savings rates

Compare the best high-yield savings rates as of September 11, 2025.

Image of a man supporting a woman who is using a forearm crutch.

Upcoming Medicaid cuts may make it harder for disabled people to save money.

illustration with piggy bank and arrow in background with headline saying today's top savings rates

Compare the best high-yield savings rates as of September 10, 2025.

Withdrawing cash at an out-of-network ATM? Be prepared to pay more than ever.

Mother and daughter putting money in piggy bank

Knowing how these accounts work, and how they differ, can help better your finances.

Ally Bank and Marcus Bank logos side by side

Considering banking with either Ally Bank or Marcus by Goldman Sachs? Here’s how the two compare.

Image of an older woman sitting in a wheelchair reading a book with a younger women squatting down next to her. There is a large compass above and behind them .

Aging parents are a growing financial concern for many Gen Xers who are still raising kids at home.

Illustration of stack of money with headline that says best high-yield savings interest rates

Compare the best high-yield savings rates as of September 9, 2025.

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