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 07/13/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.07^%_APY

National Average

2.02^%_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.

Learn more

Latest articles

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

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]

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

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.

Coworkers discussing project and having work meeting

Here are differences between CDs and share certificates, and which one to choose.

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

Federal Reserve Chair Jerome Powell speaking behind a podium.

Here’s what investing pros said about Fed Chair Jerome Powell’s performance while heading up the Federal Reserve.

A Black couple talk to a salesperson at a car dealership.

Auto rates will likely not decrease this year. Consider how to still save.

New Friends Walking on University Campus

The Federal Reserve’s actions can influence student loan interest rates.

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

It just might be. But don’t forget the fundamentals of how home equity loans work.

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.

Banking_How-the-Fed-Rate-Affects-Housing_

The Fed has hit the pause button on rates. How will it affect the housing market?

Banks are increasing offerings of green accounts. Here’s what you need to know.

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

Financial manager meeting with couple in bank branch office

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

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.

Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.