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

These seven banks and credit unions offer competitive rates on CDs for businesses.

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

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

Add-on CDs can offer more flexibility than a traditional CD.

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

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

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

Jerome Powell at frowning while standing at podium

Fed Chair Jerome Powell said interest rates “may not be far off” from their peak.

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.

Illustrated image of a house with graphics in the background hinting at rising rates

Will the long-awaited decline begin this month?

U.S. Federal Reserve Chair Jerome Powell attends a press conference

The Fed won’t want to declare victory in its inflation fight too soon.

People queue up outside the headquarters of Silicon Valley Bank

Recession odds stalled to the start the year — but those risks are back.

Will a recession be the ultimate cost of slowing prices?

Experts see job cuts and a one-point jump in unemployment by this time next year.

Members of the media interview a Silicon Valley Bank customer outside of the bank office

Silicon Valley Bank’s failure caused quite a stir. Here’s what’s going on there now.

These seven banks and credit unions offer competitive rates on CDs for businesses.

Here’s how to save money and get the most bang for your buck.

Financial manager meeting with couple in bank branch office

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

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

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

Walk away with stacks of cash just for opening a checking or savings account.

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.

The trusted provider of accurate rates and financial information