CD Basics
CD rates: Historical trendline
Take a look at the days when CDs were offering investors double-digit returns.
When closing a CD early makes sense
Sometimes paying an early withdrawal penalty to take advantage of a better deal isn’t a bad idea.
Make the most of low CD rates
Here’s a look at why CD rates are so low and what you can do to make the most of low CD rates.
Latest Articles
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Current CD rates — January 2021
View current cd rates based on Bankrate.com’s weekly national survey of large banks and thrifts.
2 min read Jan 21, 2021
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Best no-penalty CD rates for January 2021
Not sure when you’ll need to access your money? These CDs may be a good fit.
4 min read Jan 20, 2021
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Best IRA CD rates for January 2021
Find the best IRA CD rates by comparing APY, term and minimum deposit requirements.
10 min read Jan 20, 2021
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Best 2-year CD rates — January 2021
Shop around before you buy a CD. The best rates may pay a little more than 3 times what your local bank pays.
9 min read Jan 20, 2021
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Best 6-month CD rates — January 2021
If rates continue to decline, a short-term CD could allow you to lock in a higher fixed rate.
8 min read Jan 15, 2021
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Bank of America CD rates
Looking for a CD? Here’s what the big bank will pay you.
1 min read Jan 15, 2021
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Chase CD rates
The big bank offers a range of CD terms, but you can find much higher APYs elsewhere.
2 min read Dec 16, 2020
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Best 4-year CD rates — January 2021
These top 48-month CDs pay more than 2.5 times the national average rate.
8 min read Jan 15, 2021
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Best 5-year CD rates — January 2021
Here’s why the best 60-month CDs are more versatile than you might think.
13 min read Jan 15, 2021
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Best 3-year CD rates — January 2021
There’s more to a top 36-month CD than just the rates. Read the fine print before you buy.
9 min read Jan 15, 2021