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.

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

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

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Know the two major benefits of opening a CD now, even as interest rates decline.

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Find out which CD term is best for your financial goals in a lower rate environment.

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As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

Learn how CD ladders and partial withdrawals can be used to fund emergency savings.

These seven banks and credit unions offer competitive rates on CDs for businesses.

Withdrawing your money from a CD before the term ends can be costly.

It’s possible to leverage the money in your CDs to grow your emergency savings.

Cash-out refis are out, and home equity lines of credit are in.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

If you have credit card debt, your interest rates are likely to remain high in 2025.

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

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

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

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

signage outside the federal deposit insurance corporation headquarters

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

Businesswoman looking out window while seated at desk in office

The start of a new year is a great time to set financial intentions.

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These simple moves can help build a cash cushion.

Pink piggy bank stuffed with dollar bills

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

A woman wearing a facemask enters a building where the Employment Development Department has its offices in Los Angeles, California on May 4, 2020, past a posted sign mentioning the closure of the offices's public access counters due to the coronavirus pandemic. - Dismal US employment figures are expected with the release Friday May 8 of figures for April's US jobs report, with 30 million Americans filing for unemployment in the last six weeks.

Overwhelmed state unemployment offices have left Americans without aid for weeks, if not longer.

The Internal Revenue Service is automatically sending $1,400 stimulus payments to about one million Americans who never claimed their COVID-19 relief checks from 2021, according to a recent announcement. [...]

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