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 01/29/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.69^%_APY

National Average

1.89^%_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

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.

Clocks are displayed across an image of a dollar bill.

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

Coworkers discussing project and having work meeting

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.

Artistic sketch of a businessman on a suspended platform looking down as the platform morphs into a downward arrow with a '%' symbol on its side.

As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.

Overdraft protection can be a helpful and convenient tool to avoid paying a steeper overdraft fee.

Image of a torn apart one hundred U.S. dollar bill with a red jagged graph line running through the the torn pieces.

Workers still have less purchasing power today than at the beginning of 2021.

These tips can help maximize your savings using certificates of deposit.

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.

It just might be. But don’t forget the fundamentals of how home equity loans work.

Federal Reserve Chair Powell Holds Press Conference On Interest Rates

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

New Friends Walking on University Campus

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

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

The National Credit Union Administration is similar to the FDIC, which covers banks.

Illustration of an old-fashioned alarm bell ringing , hovering over a cell phone.

Mobile apps make managing your money a snap and mobile alerts can help protect it.

Person imagining a piggy bank made out of cash.

Ready to open a savings account? Here’s what you’ll need to know.

Looking for a nearby Wells Fargo location or ATM? Here’s how to find the closest ones.

Illustration of construction workers on a roof

An emergency fund is an essential part of a solid financial plan.

Jerome Powell, chairman of the US Federal Reserve, during a news conference following a Federal Open Market Committee (FOMC) meeting in Washington, DC.

The big question: How long will the Fed be on hold?

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