CDs

Searching for the best CD rates? Bankrate.com offers rates, comparison tools and news on certificates of deposit.

CD Basics

No-penalty CD vs. savings account

Should you keep money you need access to in a no-penalty CD or in a savings account?

4 min read

CDs vs share certificates

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

3 min read

What to know before opening a CD

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

6 min read

Pros and cons of jumbo CDs

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

3 min read

Latest Articles

Best 1-month CD rates — December 2022

Great one-month CD rates may be scarce, but depositors have other reasons to invest in them.

6 min read Oct 31, 2022
Best 9-month CD rates — December 2022

For short-term saving, a nine-month CD may be a better option than a savings account.

7 min read Oct 28, 2022
Best 3-month CD rates — December 2022

The top 3-month CD rates pay nearly six times the national average.

6 min read Oct 28, 2022
5 things to know before opening a CD

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

6 min read Oct 28, 2022
Pros and cons of jumbo CDs

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

3 min read Oct 27, 2022
Synchrony Bank CD rates

Everything you need to know about the online bank’s CD rates.

2 min read Oct 25, 2022
Are CDs safe?

All CDs have one thing in common: They’re among the safest places to park your cash.

4 min read Oct 17, 2022
How to avoid a CD early withdrawal penalty

Withdrawing your money from a CD before the term ends can be costly.

4 min read Oct 05, 2022
6 top tips for choosing the best CD for your money

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

4 min read Oct 05, 2022
How to renew a certificate of deposit (CD)

Better to let a CD automatically renew or cash it in? Here’s a guide for those looking to renew.

4 min read Sep 19, 2022
Historical CD interest rates: 1984-2022

Take a look at the days when CDs were offering investors double-digit returns.

6 min read Sep 02, 2022
How much money should you keep in a CD?

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

3 min read Aug 24, 2022
CDs vs. bonds: How they compare and which is right for you

Consider these important factors before investing in bonds and CDs.

5 min read Aug 16, 2022
Zero-coupon CDs: What they are and how they work

Here’s everything you need to know about zero-coupon CDs.

3 min read Aug 15, 2022
No-penalty CDs: What they are and how they work

Here’s everything you need to know about no-penalty CDs.

3 min read Aug 09, 2022
What to do when a CD matures

Find out what happens to CDs that are set to mature.

4 min read Jul 29, 2022
Bump-up CDs: What they are and how they work

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

3 min read Jul 28, 2022
How do CDs work?

CDs hold your funds for a set period. In exchange, you get a reliable return.

7 min read Jul 28, 2022
What is an IRA CD?

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

5 min read Jul 28, 2022
Step-up CDs: What they are and how they work

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

3 min read Jul 28, 2022