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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

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
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Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

Bankrate Partner Average

4.04%APY
VS

National Average

2.01%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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

Mark Hamrick

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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.

Latest articles

Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology
Know the two major benefits of opening a CD now, even as interest rates decline.
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All CDs have one thing in common: They’re among the safest places to park your cash.
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Learn how CD ladders and partial withdrawals can be used to fund emergency savings.
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Withdrawing your money from a CD before the term ends can be costly.
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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.
IRS building
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.
A Black couple talk to a salesperson at a car dealership.
Auto rates will likely not decrease this year. Consider how to still save.
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The Federal Reserve’s actions can influence student loan interest rates.
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Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.
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It just might be. But don’t forget the fundamentals of how home equity loans work.
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL
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.
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.
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A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
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Here’s how multiple savings accounts can help you reach your financial goals.
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One of the most ubiquitous signs in a bank is “Member FDIC.” Here’s what it means.
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A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Those who apply for this account sometimes have past issues such as an unpaid [...]
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Top savings APYs remain above 4%, with plenty of account options to choose from.
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Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Comparing savings rates can ensure you get the best return on your savings.
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