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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

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
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Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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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

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All CDs have one thing in common: They’re among the safest places to park your cash.
CD rates forecast for 2024
You can find a CD account that significantly out-earns the national average if you shop around among banks.
A woman researches online.
Here’s everything you need to know about zero-coupon CDs.
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Savers, here are strategies to invest in CDs.
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A one-year CD can be a safe and worthwhile option.
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Understanding what determines CD rates can help you decide whether to get one.
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CDs come in many varieties, making it easy to find one that meets your needs.
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Should you keep money you need access to in a no-penalty CD or in a savings account?
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It just might be. But don’t forget the fundamentals of how home equity loans work.
Fed chair Jerome Powell makes a speech
The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
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Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
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Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
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Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
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The Federal Reserve’s actions can influence student loan interest rates.
A young girl visits a doctor.
Confused about finding an HSA? Use these tips to determine the best deal for you.
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Online checking accounts stand out for different features. Here’s our top picks.
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Knowing bank holiday schedules can help you avoid delays on necessary transactions.
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Exchanging currency can be costly. Here are the most affordable ways to do it.
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Here’s how much $10,000 in a high-yield savings account can earn you.
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An emergency fund is an essential part of a solid financial plan.
A woman works on her laptop.
Here’s everything you need to know about savings accounts.
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Checking and savings accounts are different. Should you have one, the other — or both?
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