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

These seven banks and credit unions offer competitive rates on CDs for businesses.

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

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

Add-on CDs can offer more flexibility than a traditional CD.

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

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

Federal Reserve Chair Jerome Powell speaks at a press conference after a Federal Open Market Committee (FOMC) meeting

Fed officials signaled no immediate plans to begin cutting interest rates.

The Fed’s policy toolkit has changed almost as much as interest rates itself.

Man working on laptop and cellphone simultaneously

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Federal Reserve Chair Jerome Powell holds a news conference after a Federal Open Market Committee meeting in Washington, DC, on Jan. 31

How will the Fed juggle hotter inflation with a rising unemployment rate?

Illustration of Chair Jerome Powell in front of the podium at a post-meeting press conference

The Fed plays a role in influencing every financial decision you make.

Illustration of a person holding a house with a rain cloud over it

How might a recession affect the housing market? Find out what the experts think.

The share of single women homebuyers continues to outpace the share of single men in the housing market.

Man blocking face by holding a stop sign in front of himself

Americans’ credit woes might not turn around until the Fed eventually cuts rates.

These seven banks and credit unions offer competitive rates on CDs for businesses.

Here’s how to save money and get the most bang for your buck.

Financial manager meeting with couple in bank branch office

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

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

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

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

Aerial view of a group of residential boat docks from homes along the Halifax River in Ormond Beach, Florida near Daytona

Managing your finances and choosing the right bank can be daunting, especially in a state as big and diverse as Florida.

The trusted provider of accurate rates and financial information