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.

Learn more

Latest articles

A graph showing an upward trend from 2024 to 2025. 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.

Sometimes paying an early withdrawal penalty to take advantage of a better deal isn’t a bad idea.

Illustration of calculator and stacks of cash

If you have $25,000 to invest in a CD right now, here’s how much you could earn.

Personal banker instructs clients concerning online banking

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

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

These CD specials help you earn more money on interest without taking on risk.

Here’s everything you need to know about brokered CDs.

Better to let a CD automatically renew or cash it in? Here’s a guide for those looking to renew.

Illustration of a person holding a house with a rain cloud over it

How might a recession affect the housing market?

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

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.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

Jerome Powell speaking. A now hiring banner in the background.

Behind the slowing economy is a Fed determined to defeat red-hot inflation.

A woman reading the label on a food item while out shopping for groceries in her local supermarket.

Here’s how to save money on groceries, utilities and other everyday purchases.

young woman looking away sitting on bed in the room

Financial anxiety – what is it and how to reduce money stress

exterior of Bank of America branch building

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

Comical image of a lady up to her eyes in a pile of cash

Find out who is affected most by financial stress by statistic and how to cope.

Businessman grabs the head concept with business chart on scoreboard

Manage money anxiety in a low rate environment with these savings strategies.

Here’s how young adults can live within their means while saving for the future.

Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.

Here are simple steps to take to avoid paying checking account fees.

The trusted provider of accurate rates and financial information