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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

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
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Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

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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.

Latest articles

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Step-up CDs can help you potentially earn a higher rate of return later on.
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Find out which CD term is best for your financial goals in a lower rate environment.
Woman watering plants.
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.
Woman at laptop
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.
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The Federal Reserve just lowered interest rates for the first time in four years.
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A look at what a bank bailout is with some examples of notable bank bailouts from the past.
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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.
Illustration of Fed Chair Jerome Powell
Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.
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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.
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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.
A long spiral staircase.
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.
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 watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Here are some smart ways to protect yourself if your digital bank account stops working.
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.
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The smartphone in your hand can help you better manage your money.
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