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 03/20/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.06^%_APY

National Average

1.86^%_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

Here’s everything you need to know about brokered CDs.

Bank sign on glass wall of business center

Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.

A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.

These certificates of deposit (CDs) have no minimum deposit.

Holding up a golden piggy bank, balancing on one finger

CDs and fixed annuities can be great retirement options. Here are the differences.

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

Asian women using laptop computer at home working space.

CD terms can range from three months to five years. Learn which one is right for you.

Here’s everything you need to know about no-penalty CDs.

Consider these important factors before investing in bonds and CDs.

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.

The Federal Reserve just lowered interest rates for the first time in four years.

Your bank accounts have two separate balances: the current balance and the available balance. Here’s the distinction.

Here’s how the Consumer Financial Protection Bureau works to keep consumers safe.

Planning for retirement? Here’s what you need to know about IRA CDs.

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

Spend money, pay bills, write checks or make fund transfers with a checking account.

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