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.

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Latest articles

Holding up a golden piggy bank, balancing on one finger

CDs and fixed annuities can be great retirement options. Here are the differences.

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

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.

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.

Jerome Powell at frowning while standing at podium

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

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.

Abstract art of a young man on unstable financial blocks

For younger generations, the economy may feel like it’s never worked in their favor.

Jerome Powell speaking. A now hiring banner in the background.

Behind the slowing economy is a Fed determined to defeat red-hot inflation.

A woman reading the label on a food item while out shopping for groceries in her local supermarket.

Here’s how to save money on groceries, utilities and other everyday purchases.

young woman looking away sitting on bed in the room

Financial anxiety – what is it and how to reduce money stress

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

Comical image of a lady up to her eyes in a pile of cash

Find out who is affected most by financial stress by statistic and how to cope.

Businessman grabs the head concept with business chart on scoreboard

Manage money anxiety in a low rate environment with these savings strategies.

Here’s how young adults can live within their means while saving for the future.

Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.

Here are simple steps to take to avoid paying checking account fees.

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