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 12/13/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.76^%_APY

National Average

1.93^%_APY

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

Stephen Kates, CFP

Bankrate 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

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

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Man working on laptop and cellphone simultaneously

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.

Here’s how to proceed when your CD matures during falling rates.

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

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

A woman stands beside a gas pump at a gas station in Los Angeles, California

Price increases depend on supply chain and labor shortages.

Federal Reserve Chair Jerome Powell speaks beside President Joe Biden after he was nominated for a second term

Soaring inflation is making it hard for the Fed to justify its aggressive policies.

Fed Chair Powell testifies before the Senate Banking Committee

The appointment gives Powell the chance to finish the U.S. central bank’s pandemic response.

Chef delivers food to a table outside during the pandemic.

A game of hiring musical chairs is afoot — and it doesn’t look like it’ll be stopping anytime soon.

Federal Reserve Chair Jerome Powell speaks at a post-Federal Open Market Committee press conference

The Fed’s decision is a vote of confidence about the economy.

Federal Reserve Chairman Jerome Powell speaks to lawmakers at a testimony

The Fed’s massive bond-buying program has about run its course. Here’s how a taper works.

Federal Reserve Chair Jerome Powell speaks at congressional hearing.

The president will have to weigh his party’s priorities with his desire for continuity.

Federal Reserve Chair Jerome Powell speaks to lawmakers during a testimony.

Experts say higher inflation and a faster rebound could force the Fed’s hand.

One of the most ubiquitous signs in a bank is “Member FDIC.” Here’s what it means.

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

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Illustration of cash under a beach umbrella

Here’s how much $10,000 in a high-yield savings account can earn you.

Depositing a check using a smartphone is easy and can save you a trip to the bank.

Here’s how to find the nearest ATM in MoneyPass’s fee-free ATM network.

Fantasy image of a robot hand holding a phone with real cash falling out of the screen

For many of us, saving money feels like an uphill battle.

Looking for a nearby Chase Bank location or ATM? Here’s how to find the closest ones.

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