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 01/15/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.73^%_APY

National Average

1.90^%_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

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

In 2024, three Federal Reserve rate cuts spurred declining yields on many deposit accounts, although savers were able to benefit from locking in strong yields on certificates of deposit (CDs). While the [...]

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

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.

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

Credit card interest rate drops will likely provide little relief in 2026.

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.

Young bank teller counting money as her supervisor watches

You’ll need a SWIFT code for international wire transfers. Here’s how to find one.

Young professional having a casual conversation at work

Want to avoid common savings missteps? Find out what people do at every age that hurts their financial goals.

Fed Chair Jerome Powell speaks at a press conference after the June rate-setting meeting

The real question is: What will the Fed’s next moves be?

Two coworkers sharing an interaction in a nice office building

Here’s what you need to do to become a credit union member.

Young male driver using smart phone while sitting in delivery van

These strategies will help you manage multiple income streams.

A young business woman makes a payment on her phone.

The acronym is probably an essential piece of your well-being. Here’s why.

A teacher and children drawing the globe in chalk

These tips can help students maximize savings from their summer job earnings.

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Experts, however, still don’t see a labor market as tough as it was during the pandemic.

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