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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

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
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Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

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.

Latest articles

CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
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Take a look at the days when CDs were offering investors double-digit returns.
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There’s still time to lock in a high-yielding CD as the Fed cuts rates.
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Find out which CD term is best for your financial goals in a lower rate environment.
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If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.
How to proceed when your CD matures during falling rates.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
Jerome Powell speaking at a podium
These policymakers will influence the crucial debate of when to cut interest rates.
A picture of various cryptocurrencies
Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.
A young woman researches on her laptop.
With a possible recession looming, here’s what savers should know about CDs.
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These tips can help maximize your savings using certificates of deposit.
The most common sign of financial success is living comfortably, Americans say.
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Here are five of the best inflation hedges to help protect your portfolio against inflation.
Federal Reserve seal
Now a cornerstone of Fed policy, the balance sheet has big implications for your wallet.
Federal Reserve Bank Chair Jerome Powell at the Fed's post-meeting press conference
The Fed hopes to prevent major market disruptions that could cause rates to spike.
A young girl visits a doctor.
Confused about finding an HSA? Use these tips to determine the best deal for you.
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Online checking accounts stand out for different features. Here’s our top picks.
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Knowing bank holiday schedules can help you avoid delays on necessary transactions.
illustration of person holding money from different countries
Exchanging currency can be costly. Here are the most affordable ways to do it.
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Here’s how much $10,000 in a high-yield savings account can earn you.
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An emergency fund is an essential part of a solid financial plan.
A woman works on her laptop.
Here’s everything you need to know about savings accounts.
Woman at bank talking to teller
Checking and savings accounts are different. Should you have one, the other — or both?
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