Skip to Main Content

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

Man at laptop, deep in thought
Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
IRS building
Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
stacks of coin with dollar bill
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.

Arrow Right Icon
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.

Image for Current CD interest rates
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.

Arrow Right Icon

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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

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.

Latest articles

A long spiral staircase.
Step-up CDs can help you potentially earn a higher rate of return later on.
Cropped shot of a businessman using his computer in his home office
Find out which CD term is best for your financial goals in a lower rate environment.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Illustration of calculator and stacks of cash
If you have $2,500 to invest in a CD right now, here’s how much you could earn.
A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash
CDs often pay better interest than savings accounts and can amp up your nest egg.
Young couple managing finance and investment online
There’s still time to lock in a high-yielding CD as the Fed cuts rates.
Woman at laptop
Planning for retirement? Here’s what you need to know about IRA CDs.
Asian women using laptop computer at home working space.
CD terms can range from three months to five years. Learn which one is right for you.
Outside of the Federal Reserve building
The Federal Reserve just lowered interest rates for the first time in four years.
Picture of the front of the Federal Reserve building
A look at what a bank bailout is with some examples of notable bank bailouts from the past.
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.
Fed Chair Jerome Powell speaks during a news conference
Fed officials are trying to prevent an economic slowdown from getting worse.
Illustration of Fed Chair Jerome Powell
Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.
Man using credit card while online
Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Women using digital tablet to check her finances at home office
For savers, here’s what to consider when the Fed raises interest rates.
Illustration of Fed Chair Jerome Powell
Economists see a slower job market in the year ahead but recession odds remain low.
image of lawnmower and cash
Many of these options are flexible to your schedule.
woman holding a pen and signing paperwork in the living room at home
A bank reconciliation statement helps you track business finances and catch errors.
Piggy bank with cash overflowing
Walk away with stacks of cash just for opening a checking or savings account.
A man researches online.
Looking for a place to park your savings? Here’s why a MMA might be appealing.
A young woman researches on her phone at a cafe.
Short answer? Yes. Here’s what you need to know.
Woman sitting outside of restaurant looking at cell phone
Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.
Mother with baby paying bills online.
Budgeting is key to understanding where your household’s money is going.
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc