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 03/26/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

1.84^%_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.

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Latest articles

Learn how CD ladders and partial withdrawals can be used to fund emergency savings.

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

It’s possible to leverage the money in your CDs to grow your emergency savings.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

Here’s how to proceed when your CD matures during falling rates.

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

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

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

Jerome Powell, chair of the US Federal Reserve, speaks during a news conference following a Federal Open Market Committee (FOMC) meeting.

Uncertainty over President Donald Trump’s policies is keeping the Fed on the sidelines, at least for now.

New Friends Walking on University Campus

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

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

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

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

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

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

Over 1 in 3 people tapped emergency savings in the past year, per a new Bankrate survey.

Planning, finance and couple with paper and laptop for budget

Here’s what you need to know about this high-yield checking promo.

Woman on laptop with salmon-colored background

Here’s why financial literacy is important for women and how they can attain it.

Senior woman filling out financial statements

You can’t take it with you, so what happens to your bank account after you pass on?

Whether it’s a mistake made by the bank or you, here’s how to clear your report.

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

The IRS has more than $1 billion in unclaimed tax refunds for 2021

Get your tax refund faster and more securely by setting up direct deposit. Learn how to avoid common mistakes.

Woman holding a credit card and looking at her phone

Events over the past half-century have helped to bolster women’s financial rights.

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