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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

Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Bank sign on glass wall of business center
Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.
CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.
These certificates of deposit (CDs) have no minimum deposit.
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CDs and fixed annuities can be great retirement options. Here are the differences.
A long spiral staircase.
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.
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.
Aerial view of the houses in the suburban areas in Sayerville, New Jersey, USA
The downgrade of U.S. debt created one more reason for mortgage rates to stay at a peak.
Fed Chair Jerome Powell speaks at a press conference after the June rate-setting meeting
The real question is: What will the Fed’s next moves be?
Young forlorn woman sitting down with a suitcase packed
Hit with mounting housing woes, young people ask: Wait it out or make a sacrifice?
Man in a yellow construction jacket and hard hat
Experts, however, still don’t see a labor market as tough as it was during the pandemic.
Woman walking throw a bunch of floating produce items and cash
While the worst of inflation may be over, the battle hasn’t yet been won.
Sign of Wall St, a man falling down, a bundle of cash
A recession hasn’t happened yet, but it’s likely still coming, economists say.
Jerome Powell in a speaking posture
Economists are taking the Fed at its word, penciling in more rate hikes.
Federal Reserve Chair Jerome Powell speaks at a post-meeting press conference
The Fed’s quest to defeat inflation, however, is nowhere near finished.
Mom preparing financial paperwork at home while her child draws next to her
Single people and young families tend to have significantly less saved.
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A new CFPB rule will make it easier for people to transfer their data between banks.
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The APY percentage shows how much an account earns per year. Here’s what you need to know.
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Don’t let the fear of saving leave you in the dark. Avoid these 10 savings mistakes.
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.
Kids playing with blocks at a school.
A new Bankrate study reveals where infant care is the most and least affordable in the U.S.
Kids playing with blocks at a school.
A new Bankrate study reveals where infant care is the most and least affordable in the U.S.
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