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 2026

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 10/10/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.17^%_APY

National Average

2.13^%_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.

Planning for retirement? Here’s what you need to know about IRA 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.

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

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.

A sign stating that job placement program is closed during coronavirus pandemic.

Joblessness has surged to catastrophic levels not seen for nearly a century.

A man wearing a mask walks past the U.S. Federal Reserve building in Washington D.C.

One of the Fed’s greatest fears is a slow and grueling economic recovery.

Federal Reserve Chairman Jerome Powell talks to reporters at press conference

The coronavirus pandemic has brought the U.S. economy to its knees.

A front view of the Federal Reserve Bank

Consumers get more access to their savings at a time when they may urgently need it.

Federal Reserve Eccles Building in Washington, D.C.

It could take years for growth and unemployment to return to where they were before the pandemic.

Vacant stores stand in Wickliffe, Kentucky

It’s pushed the Fed down a new, uncharted path.

Federal Reserve Chairman Jerome Powell speaks at press conference

It’s the largest emergency reduction in the Fed’s more than 100-year history.

Traders on the floor of the New York Stock Exchange react to news

Here’s who stands to benefit the most from plunging interest rates.

Even the smallest of these big banks has enormously deep pockets.

An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.

Here’s everything you need to know about high-yield savings accounts.

Spend money, pay bills, write checks or make fund transfers with a checking account.

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.

Early access to direct deposited funds can make managing your budget a bit easier.

These credit unions offer great rates and top-notch features — and many make it easy to join.

loan manager with paperwork talking with client in bank branch

The most impressive banks make it easy to interact both on old and new channels.

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

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

The trusted provider of accurate rates and financial information