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 01/23/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.69^%_APY

National Average

1.90^%_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

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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.

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

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

Everything you need to know about opening an account.

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

In 2024, three Federal Reserve rate cuts spurred declining yields on many deposit accounts, although savers were able to benefit from locking in strong yields on certificates of deposit (CDs). While the [...]

You can find a CD account that significantly out-earns the national average if you shop around among banks.

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.

Federal Reserve Eccles Building in Washington, D.C.

The fed funds rate could quickly approach zero this year, experts said.

People walk outside the New York Stock Exchange

Predictions range from cautiously optimistic to outright warnings.

Rapidly spreading coronavirus has left markets jittery

That’s led the majority of economists to say risks are tilted toward the downside.

Federal Reserve Chairman Jerome Powell speaks at Fed press conference

It’s the first emergency move since October 2008, during the Great Recession.

Fed Chairman Jerome Powell speaks at press conference

With markets swooning, all eyes are now turning to the Fed.

President Donald Trump shakes the hand of Fed Chairman Jerome Powell

The chief executive’s claims weren’t wholly correct — even if they ended up being right.

What will get the Fed off the sidelines?

Woman sitting outside of restaurant looking at cell phone

Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.

CD terms can range from three months to five years. Learn which one is right for you.

People walk by a Western Union location in New York.

Wire transfer fees can be expensive, but here are ways to send money for less.

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

A majority (81%) of Americans did not increase their emergency savings this year

A hand making an "OK" sign, a bank vault, and a check

An extra paycheck in the month can be a game-changer for your finances.

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

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

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