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 03/20/2026. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.67^%_APY

National Average

1.88^%_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

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

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.

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

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

The most common sign of financial success is living comfortably, Americans say.

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.

Federal Reserve Chair Jerome Powell speaks at a press conference after a Federal Open Market Committee (FOMC) meeting

Fed officials signaled no immediate plans to begin cutting interest rates.

The Fed’s policy toolkit has changed almost as much as interest rates itself.

Federal Reserve Chair Jerome Powell holds a news conference after a Federal Open Market Committee meeting in Washington, DC, on Jan. 31

How will the Fed juggle hotter inflation with a rising unemployment rate?

Whimsical artwork of four piggy banks standing atop of four stacks of coins, gradually increasing in height

If you’re looking to save with a credit union, here are the top rates available.

Financial manager meeting with couple in bank branch office

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

Interest is the price you pay to borrow money or the cost you charge to lend money.

Can you guess which bank has the most branches in your state?

There are banks aligned with political values, faith and causes. Here’s how to choose.

This old-school way of paying is still in demand. Here’s everything you need to know.

A family sits together at a kitchen table.

Transfer funds to friends and family without leaving the house.

Santa Barbara beach with palm trees and city skyline at sunset, California, USA

California is a large state, and so is your list of banking options in the Golden State. Truth is, there’s no one “best” bank — the best option is the one that fits your specific needs. But we’ve [...]

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