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.

Learn more

Latest articles

Step-up CDs can help you potentially earn a higher rate of return later on.

Cropped shot of a businessman using his computer in his home office

Find out which CD term is best for your financial goals in a lower rate environment.

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

Illustration of calculator and stacks of cash

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

CDs often pay better interest than savings accounts and can amp up your nest egg.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Planning for retirement? Here’s what you need to know about IRA CDs.

Asian women using laptop computer at home working space.

CD terms can range from three months to five years. Learn which one is right for you.

The Federal Reserve just lowered interest rates for the first time in four years.

Picture of the front of the Federal Reserve building

A look at what a bank bailout is with some examples of notable bank bailouts from the past.

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.

Fed Chair Jerome Powell speaks during a news conference

Fed officials are trying to prevent an economic slowdown from getting worse.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

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

For savers, here’s what to consider when the Fed raises interest rates.

Capital One Bank signage in New York City

Banks are cutting overdraft fees in response to consumers and regulators’ demands.

Step-up CDs can help you potentially earn a higher rate of return later on.

Find out which CD term is best for your financial goals in a lower rate environment.

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.

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

Here are some smart ways to protect yourself if your digital bank account stops working.

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

Woman texting on her smart phone and smiling

The smartphone in your hand can help you better manage your money.

The trusted provider of accurate rates and financial information