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.

American consumers with big shopping bags

Bankrate’s latest Economic Indicator survey finds economists are revisiting Fed policy predictions.

With the best job market in decades, the Fed is wondering why there isn’t more inflation.

The Fed continues to delay any interest rate moves amid persistently low inflation.

The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.

The Fed voted to leave interest rates alone for the second-straight meeting.

Two-thirds of economists surveyed say the U.S. central bank will increase borrowing costs again in 2019.

Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.

Bankrate delivers the latest news to you.

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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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