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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

Mark Hamrick Arrow Right Icon

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

CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
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Take a look at the days when CDs were offering investors double-digit returns.
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There’s still time to lock in a high-yielding CD as the Fed cuts rates.
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.
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If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.
How to proceed when your CD matures during falling rates.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Couple looking at laptop while sitting on sofa at home
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
Banking_How-the-Fed-Rate-Affects-Housing_
The Fed cut rates by another quarter point — how will that affect the housing market?
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The Federal Reserve just lowered interest rates for the first time in four years.
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If you’ve been thinking of getting a longer-term CD, you may want to make a move.
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The key benchmark has been as high as 20 percent — and as low as 0 percent.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
The Fed’s latest cut means cheaper business loans. Here’s what it means for you.
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For savers, here’s what to consider when the Fed raises interest rates.
Federal Reserve Chair Jerome Powell speaking behind a podium.
The best way for most investors to approach this type of market is to stick to the long-term plan.
Fed Chair Jerome Powell speaks from a podium
The Federal Reserve announced that it’s lowering interest rates following its Nov. 6-7 meeting.
A young girl visits a doctor.
Confused about finding an HSA? Use these tips to determine the best deal for you.
Women using tablet
Online checking accounts stand out for different features. Here’s our top picks.
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Knowing bank holiday schedules can help you avoid delays on necessary transactions.
illustration of person holding money from different countries
Exchanging currency can be costly. Here are the most affordable ways to do it.
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Here’s how much $10,000 in a high-yield savings account can earn you.
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An emergency fund is an essential part of a solid financial plan.
A woman works on her laptop.
Here’s everything you need to know about savings accounts.
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Checking and savings accounts are different. Should you have one, the other — or both?
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