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
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.
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 03/16/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
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 03/16/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.
4.06%APY
VS
National Average
1.87%APY
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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
- Introduction to Certificates of Deposit
CDs often pay better interest than savings accounts and can amp up your nest egg.
CDs hold your funds for a set period. In exchange, you get a reliable return.
Savers, here are strategies to invest in CDs.
CDs come in many varieties, making it easy to find one that meets your needs.
Everything you need to know about opening an account.
These tips can help maximize your savings using certificates of deposit.
Find out what happens to CDs that are set to mature.
Latest articles
Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.
Add-on CDs can offer more flexibility than a traditional CD.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
CDs come in many varieties, making it easy to find one that meets your needs.
If you have $25,000 to invest in a CD right now, here’s how much you could earn.
When policymakers and investors seek economic insight, they often use a tool called the yield curve. A yield curve measures the spread between yields on short- and long-term maturity bonds over time. It’s [...]
Find out what happens to CDs that are set to mature.
Everything you need to know about opening an account.
The best way for most investors to approach this type of market is to stick to the long-term plan.
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