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.

A wide-angle image of the front of the Federal Reserve HQ in Washington, DC. The U.S. flag is prominently displayed on the front of the building.

Despite political pressure, the Fed is expected to maintain interest rates.

Federal Reserve Chair Jerome Powell standing behind President Donald Trump.

Trump wants lower interest rates now, but Fed Chair Jerome Powell says inflation remains too hot.

Federal Reserve Chair Jerome Powell speaking behind a podium.

Here’s what investing pros said about Fed Chair Jerome Powell’s performance while heading up the Federal Reserve.

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

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

Design element including image of Jerome Powell

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

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

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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