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.

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 05/19/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.00^%_APY

National Average

2.00^%_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

Personal banker instructs clients concerning online banking

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

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

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Clocks are displayed across an image of a dollar bill.

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

Woman with glasses in front of a computer with her hand by her head, looking worried.

It’s important to weigh your options after missing your CD’s maturity date.

Couple looking at laptop while sitting on sofa at home

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

Cropped shot of a businessman using his computer in his home office

Find out which CD term is best for your financial goals in a lower rate environment.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

The Federal Reserve’s decisions have ripple effects, including for mortgages.

Design element including image of Jerome Powell

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

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Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

Banking_How-the-Fed-Rate-Affects-Housing_

The Fed has hit the pause button on rates. How will it affect the housing market?

If you’re looking at HE Loans or have a variable-rate line of credit, pay attention to the Fed.

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

Financial manager meeting with couple in bank branch office

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

Online checking accounts stand out for different features. Here’s our top picks.

Walk away with stacks of cash just for opening a checking or savings account.

Planning, finance and couple with paper and laptop for budget

These joint checking accounts are ideal for sharing finances with another person.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Image by GettyImages, Illustrated by Bankrate

The APY percentage shows how much an account earns per year. Here’s what you need to know.

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You might not feel better about inflation because prices are still up post-pandemic.

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