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 03/17/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.06^%_APY

National Average

1.87^%_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.

Learn more

Latest articles

Woman with glasses in front of a computer with her hand by her head, looking worried.

It’s important to weigh your options after missing your CD’s maturity date.

Couple looking at laptop while sitting on sofa at home

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

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.

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.

Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology

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

All CDs have one thing in common: They’re among the safest places to park your cash.

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

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

Illustration of a US Federal Reserve ink stamp

Every financial decision you make is impacted by the Federal Reserve.

Tariffs risk fueling more inflation — and weighing on economic growth.

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

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.

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Every financial decision you make is impacted by the Federal Reserve.

Tariffs risk fueling more inflation — and weighing on economic growth.

The National Credit Union Administration is similar to the FDIC, which covers banks.

Here’s what you need to know about how money orders work.

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There are a handful of numbers you should track for your financial health and well-being. A few you might already know about – your credit score and your net worth, for example. But you should also know [...]

Two happy people looking at sheets of paper

As the old saying goes: What goes up, must come down. But in the case of annual percentage yields (APYs), we might have a bit more air time. While APYs on deposit accounts may have come down from their [...]

Some knowledge and planning can help you avoid paying fees for out-of-network ATMs.

Check remote deposit capture at coffee shop

Electronic checks (eChecks) offer a digital alternative to traditional paper checks, allowing you to make payments directly from your checking account online. Learn how eChecks work, when to use them, [...]

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