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.

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.

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Latest articles

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

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Find out which CD term is best for your financial goals in a lower rate environment.

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

Illustration of calculator and stacks of cash

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

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CDs often pay better interest than savings accounts and can amp up your nest egg.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

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

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.

Auto rates will likely not decrease this year. Consider how to still save.

The Federal Reserve’s actions can influence student loan interest rates.

The Fed’s latest cut means cheaper business loans. Here’s what it means for you.

Federal Reserve Chair Jerome Powell speaking at a podium with an American flag in the background.

The best way for most investors to approach this type of market is to stick to the long-term plan.

Illustration of a US Federal Reserve ink stamp

Every financial decision you make is impacted by the Federal Reserve.

The Fed looks poised to leave rates alone in July but signal cuts are coming soon.

Design element with Jerome H. Powell chairman of the Board of Governors

Rate cuts are coming. Just don’t call this a low-rate environment just yet.

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Wages are on pace to fully recover from inflation by the second quarter of 2025.

Economists see a slower job market in the year ahead but recession odds remain low.

Many of these options are flexible to your schedule.

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A bank reconciliation statement helps you track business finances and catch errors.

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

Looking for a place to park your savings? Here’s why a MMA might be appealing.

A young woman researches on her phone at a cafe.

Short answer? Yes. Here’s what you need to know.

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.

Budgeting is key to understanding where your household’s money is going.

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