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 07/08/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

2.01^%_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.

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Latest articles

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

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

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) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]

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

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If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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

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Take a look at the days when CDs were offering investors double-digit returns.

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

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

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.

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

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.

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

A friendly female customer service representative

These are the 10 largest credit unions in the United States based on assets.

Consumers without a bank account face hurdles when trying to cash a check.

Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account can earn you.

These financial products are very similar but have some key differences.

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Your money doesn’t just sit in the bank. Here’s what it’s been up to.

An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.

High tariffs will make it harder for parents to afford the necessities — but don’t panic.

Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.

Economic uncertainty is making it harder for low-income Americans save.

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