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.

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 07/20/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.08^%_APY

National Average

2.03^%_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

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.

Learn more

Latest articles

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

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

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

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

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.

Coworkers discussing project and having work meeting

Here are differences between CDs and share certificates, and which one to choose.

Design element with Jerome H. Powell chairman of the Board of Governors

Rate cuts are coming. Just don’t call this a low-rate environment just yet.

The Fed looks poised to leave rates alone in July but signal cuts are coming soon.

Design element of woman sitting at desk in front of laptop.

Wages are on pace to fully recover from inflation by the second quarter of 2025.

Real estate agent greets a client in front of a red brick home

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

family of 4 posing in front of new red-brick house, green lawn and nice landscaping

With a Fed rate cut finally on the horizon, here’s what homebuyers should know.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Federal Reserve Chair Powell at a podium

As the job market weakens, some economists say the Fed should’ve cut rates already.

These policymakers will influence the crucial debate of when to cut interest rates.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

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

Financial manager meeting with couple in bank branch office

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

How much money you keep at home depends on your personal situation, including your need for cash in everyday life as well as in an emergency situation. Some experts recommend keeping a minimal amount of [...]