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

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

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 12/08/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.79^%_APY

National Average

1.93^%_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

Stephen Kates, CFP

Bankrate 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

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.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

Here’s how to proceed when your CD matures during falling rates.

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

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

Learn how you can lose money on a CD.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

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

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

Traders on the floor of the New York Stock Exchange react to news

Here’s who stands to benefit the most from plunging interest rates.

Federal Reserve Eccles Building in Washington, D.C.

The fed funds rate could quickly approach zero this year, experts said.

People walk outside the New York Stock Exchange

Predictions range from cautiously optimistic to outright warnings.

Rapidly spreading coronavirus has left markets jittery

That’s led the majority of economists to say risks are tilted toward the downside.

Federal Reserve Chairman Jerome Powell speaks at Fed press conference

It’s the first emergency move since October 2008, during the Great Recession.

Fed Chairman Jerome Powell speaks at press conference

With markets swooning, all eyes are now turning to the Fed.

President Donald Trump shakes the hand of Fed Chairman Jerome Powell

The chief executive’s claims weren’t wholly correct — even if they ended up being right.

What will get the Fed off the sidelines?

Aerial view of a group of residential boat docks from homes along the Halifax River in Ormond Beach, Florida near Daytona

Managing your finances and choosing the right bank can be daunting, especially in a state as big and diverse as Florida.

Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive

Powell is dealing with the most intense division of his eight years as Fed chair.

How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Elliot Pepper, CPA, CFP, MST, financial planner and [...]

These credit unions offer great rates and top-notch features — and many make it easy to join.

woman sitting on her couch and looking at her phone and credit card

Knowing your limit before making a purchase can help you make smarter decisions.

Cashier and customer at grocery store checkout

You can get a money order from many places. Here’s what you need to know.

person using mobile phone leaning on railing

A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Applicants sometimes have past problems such as an unpaid negative balance [...]

Artistic rendering of a Bank building attached to unrealistically large chains

Linking bank accounts is a way to make it easier to transact between the two.

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