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 06/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.06^%_APY

National Average

2.02^%_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

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If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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

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

Clocks are displayed across an image of a dollar bill.

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

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

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

CD rates may seem attractive, but in 2025’s uncertain environment, they create a lose-lose scenario that could cost you money.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

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

It just might be. But don’t forget the fundamentals of how home equity loans work.

New Friends Walking on University Campus

The Federal Reserve’s actions can influence student loan interest rates.

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

Auto rates will likely not decrease this year. Consider how to still save.

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

Banking_How-the-Fed-Rate-Affects-Housing_

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

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

Older man with glasses sits on a couch next to a younger woman with curly hair. They are looking at official paperwork on a coffee table that also contains a calculator. There is an image of a large compass behind their heads and an blue arrow pointing from lower left to upper right.

Economic uncertainty is making it harder for low-income Americans save.

An image depicting parents and a small child sitting at a table with an open laptop, papers, and a calculator sitting on top of it. There is a large compass behind the parents and an arrow pointed to the upper right of the image.

High tariffs will make it harder for parents to afford the necessities — but don’t panic.

Happy women talking to each other standing near ATM machine

After years of being passed over by established banks, startups are working to shift the paradigm in financial services and better serve LGBTQ customers. Here’s what the disruptors are building, how [...]

female soldier and her husband use a banking app to check the state of their finances

Bank account budgeting tools make it easy to track your personal finances.

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

Outside view of a bank with American flag

Learn the key characteristics of certified checks and how they differ from other types of payments.

Inflation can eat away at your purchasing power, if you’re not keeping up with it.

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

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