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 12/23/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.65^%_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.

Learn more

Latest articles

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

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

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.

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.

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

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.

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 most investors to approach this type of market is to stick to their long-term plan.

signage outside the federal deposit insurance corporation headquarters

Worried about losing money held at a bank? Here’s what to know about FDIC insurance.

Pink piggy bank stuffed with dollar bills

Even as interest rates drop, some top-yielding savings accounts remain competitive.

Business man hand writing and signing white blank bank check book

We list seven ways to endorse a check and how to process it correctly and securely.

Use this challenge to stash more cash toward your savings goals.

Federal Reserve Board Federal Reserve Chairman Jerome Powell speaks during a news conference.

Fed officials, however, are uncertain about how many times they’ll be able to cut borrowing costs in 2025.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Design element of Federal Reserve Chair Jerome Powell

The Fed is expected to cut interest rates a third time. Here’s what to watch.

A woman shopping during the holiday season.

These holiday savings accounts are still available at many small banks and credit unions. But are they the best way to save?

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