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

DAILY

Today's CD rate news

Explore the highest CD rates by term every weekday and learn how economic trends can affect your rate.

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 06/14/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.99^%_APY

National Average

2.00^%_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

Greg McBride, CFA

Chief 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

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

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.

Step-up CDs can help you potentially earn a higher rate of return later on.

CD rates may seem attractive, but in 2025’s uncertain environment, they create a lose-lose scenario that could cost you money.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

Here’s everything you need to know about brokered CDs.

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

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?

Man looking at bar graph amid Federal Reserve Eccles Building

The Fed will stay on the sidelines for an extended period, experts predict.

Jerome Powell walking through the Federal Reserve

With the Fed likely holding steady on rates for now, short-term CDs still look like a good option.

Will the new voting members be hawkish or dovish on rates?

The Federal Reserve’s latest interest rate decision looks all but locked in.

Walk away with stacks of cash just for opening a checking or savings account.

Here’s what you need to know about how money orders work.

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.

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

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

woman sitting on her couch and looking at her phone and credit card

Knowing your limit before making a purchase can help you make smarter decisions.

Losing a cashier’s check is much different than losing a personal check.

Knowing your financial needs and goals can help you choose where to keep your money.

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