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 11/10/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.79^%_APY

National Average

1.95^%_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

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.

Learn more

Latest articles

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

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

Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

The Federal Reserve lowered the federal funds rate by 25 basis points on Wednesday at the conclusion of its September meeting, marking the central bank’s first rate cut this year. For savers, that’s [...]

Clocks are displayed across an image of a dollar bill.

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

Couple looking at laptop while sitting on sofa at home

As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

These CD specials help you earn more money on interest without taking on risk.

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

Add-on CDs can offer more flexibility than a traditional CD.

The Federal Reserve Eccles Building in Washington, D.C.

The July rate cut is likely just the beginning, Bankrate’s latest economists’ poll finds.

Federal Reserve Chairman Jerome Powell speaks to journalists at a news conference following the Fed's June 19 interest rate decision.

The Fed’s move is a win for borrowers and a wake up call for savers.

Fed Chairman Jerome Powell speaks to journalists at a June 19 press conference

How much of a rate cut can we expect from the Fed?

Here’s everything you need to know about this unique type of easing from the Fed.

Traders work after the opening bell at the New York Stock Exchange

The U.S. economy looks far different now than it did when the expansion first began in June 2009.

Federal Reserve Chair Jerome Powell at a press conference

Here’s what the Fed said on interest rates and the economy.

Is it still too soon for the Fed to cut rates?

Here’s why Fed officials are so concerned about the trade war right now.

Coins sitting around in an overloaded jar could be put to better use. Here’s how.

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

Evaluate the benefits and drawbacks to decide if a credit union is right for you.

Capital One Bank signage in New York City

Banks are cutting overdraft fees in response to consumers and regulators’ demands.

Young Woman Checking Her Finances At Home

Finding the account number on a check is easy — if you know where to look.

A man looking at a comically large stack of cash

This type of account can offer a low-risk way to earn a high yield.

Close-up of woman trading stock online on mobile phone

A money market account is like a parking spot for cash, but with a few guardrails.

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

Limited spots available

Help us shape the future of personal finance

We’re building something new to make rate shopping smarter and simpler. Join our waitlist to get early access, share your feedback, and unlock exclusive offers.

Priority rate alerts

Exclusive member offers

Time saving

Email address

Please provide a valid email address

Limited spots remaining

The trusted provider of accurate rates and financial information