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 04/23/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

2.02^%_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

The 100-year CD targets investors with philanthropic or generational-wealth goals.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

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.

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

man working on tax forms with calculator

Looking to score more tax deductions? IRA CDs might be for you.

Coworkers discussing project and having work meeting

Here are differences between CDs and share certificates, and which one to choose.

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

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

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

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

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

Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.

Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.

New Friends Walking on University Campus

The Federal Reserve’s actions can influence student loan interest rates.

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

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

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

Bitcoin ATMs are becoming increasingly popular. Here’s everything you need to know.

Woman working with business document and laptop on the table

It’s a low interest rate environment, but there are ways to earn more on your money.

A look at the best ways to avoid paying such extra charges.

Mom preparing financial paperwork at home while her child draws next to her

Single people and young families tend to have significantly less saved.

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

The APY percentage shows how much an account earns per year. 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.

A young woman researches on her phone at a cafe.

Short answer? Yes. Here’s what you need to know.

The trusted provider of accurate rates and financial information