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

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

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 09/05/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.05^%_APY

National Average

2.05^%_APY

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 CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Clocks are displayed across an image of a dollar bill.

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

Person frowning at a laptop screen with illustration of money in background

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]

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.

Find out what happens to CDs that are set to mature.

Coworkers discussing project and having work meeting

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

Americans are desperately waiting for some relief from inflation.

Illustration of person at a kitchen table frustrated over finances

Americans are finding it impossible to avoid inflation.

Federal Reserve Chair Jerome Powell speaks at press conference

The majority put the economy’s recession chances at 50 percent or more.

A customer holds a fuel nozzle at a Shell gas station in California

High inflation has a financial toll similar to job loss.

Federal Reserve Jerome Powell gives a post-meeting press conference

The Fed’s move is the biggest increase since 1994 and undoubtedly raises the risks of a recession.

man sitting on the couch and looking at his phone

The online-only bank’s savings rate tops many competitors.

Experts expect inflation to cool, but how soon that happens will be key.

ederal Reserve Chair Jerome Powell testifies at a Senate Banking, Housing, and Urban Affairs Committee hearing

The Fed is withdrawing stimulus at the fastest pace in decades.

Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.

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

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.

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.

Someone cutting a stack of cash with scissors

In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.

young woman become online scammers victim

How to avoid these banking mistakes.

Here’s what other banks have to offer that you might be missing out on at yours.

Consumers without a bank account face hurdles when trying to cash a check.

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