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.

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Latest articles

The Fed’s recent actions may force savers to start thinking differently about their money.

Jerome Powell walking through the Federal Reserve

With the Fed likely holding steady on rates for now, short-term CDs still look like a good option.

Real estate agent greets a client in front of a red brick home

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

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

family of 4 posing in front of new red-brick house, green lawn and nice landscaping

With a Fed rate cut finally on the horizon, here’s what homebuyers should know.

Image of Federal Reserve Chair Jerome Powell

Can a Fed rate cut stop the housing market roller coaster?

The Federal Reserve raised interest rates several times. These interest rate changes are likely to affect the rates of personal loans.

How Reg. D impacts your savings account and why it pays to check with your bank.

Couple sitting on a sofa, looking at a laptop

Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

young man falling out of the sky along with various household items and cash

You might not feel better about inflation because prices are still up post-pandemic.

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

These seven banks and credit unions offer competitive rates on CDs for businesses.

Here’s how to save money and get the most bang for your buck.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

Consider these important factors before investing in bonds and CDs.

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