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 04/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

2.01^%_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.

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Latest articles

Here’s everything you need to know about zero-coupon CDs.

young woman on ipad with illustrations in the background

Understanding what determines CD rates can help you decide whether to get one.

Should you keep money you need access to in a no-penalty CD or in a savings account?

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

Investing in CDs for retirement offers benefits but also some drawbacks.

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.

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.

Women using digital tablet to check her finances at home office

Looking for a stable way to pay off your debts with money left to save? Read on.

If you have over $25,000 in your savings account, consider these strategies.

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.

Knowing how fixed and variable expenses differ can help you improve your finances.

Easy mornings and working from home for this couple

Savings yields topping inflation could let you hold onto your purchasing power.

Stay on top of your money with the right balance between your checking and savings.

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.

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