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

Step-up CDs can help you potentially earn a higher rate of return later on.

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Find out which CD term is best for your financial goals in a lower rate environment.

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

Illustration of calculator and stacks of cash

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

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CDs often pay better interest than savings accounts and can amp up your nest egg.

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There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Planning for retirement? Here’s what you need to know about IRA CDs.

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CD terms can range from three months to five years. Learn which one is right for you.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

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The biggest reason behind Americans’ financial pessimism continues to be inflation.

Federal Reserve Chair Jerome Powell attends a press conference in Washington, D.C.

The decision adds to suspicions that officials are done raising rates.

Jerome Powell juxtaposed against an illustrated artistic background

Experts are doubting the Fed’s September projections that showed one more rate hike.

Even at higher rates, a HELOC is worth considering over other types of financing.

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The sharp rise in mortgage rates raises a new question: How much higher could they go?

The average 30-year fixed mortgage rate touched 8 percent on Oct. 19, according to Bankrate data.

Will the Fed keep interest rates too high for too long?

Economists see a slower job market in the year ahead but recession odds remain low.

Many of these options are flexible to your schedule.

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A bank reconciliation statement helps you track business finances and catch errors.

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

Looking for a place to park your savings? Here’s why a MMA might be appealing.

A young woman researches on her phone at a cafe.

Short answer? Yes. Here’s what you need to know.

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Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.

Budgeting is key to understanding where your household’s money is going.

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