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.

Young forlorn woman sitting down with a suitcase packed

Hit with mounting housing woes, young people ask: Wait it out or make a sacrifice?

Man in a yellow construction jacket and hard hat

Experts, however, still don’t see a labor market as tough as it was during the pandemic.

Woman walking throw a bunch of floating produce items and cash

While the worst of inflation may be over, the battle hasn’t yet been won.

Sign of Wall St, a man falling down, a bundle of cash

A recession hasn’t happened yet, but it’s likely still coming, economists say.

Economists are taking the Fed at its word, penciling in more rate hikes.

Federal Reserve Chair Jerome Powell speaks at a post-meeting press conference

The Fed’s quest to defeat inflation, however, is nowhere near finished.

The gasoline price sign and fuel pumps for the Turkey Hill gas station in Pennsylvania

Americans don’t have many places to hide from high inflation.

Learn about five ways in which you can break out of the credit card debt cycle.

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