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

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

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 11/10/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.79^%_APY

National Average

1.95^%_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

Man working on laptop and cellphone simultaneously

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

Coworkers discussing project and having work meeting

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

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.

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

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

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

Woman with glasses in front of a computer with her hand by her head, looking worried.

It’s important to weigh your options after missing your CD’s maturity date.

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

Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.

A Black couple talk to a salesperson at a car dealership.

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

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

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

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

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

Jerome Powell, chairman of the US Federal Reserve, arrives for the Federal Reserve Board open meeting in Washington, DC, Oct. 24, 2025.

The best way for most investors to approach this type of market is to stick to their long-term plan.

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

Consumers without a bank account face hurdles when trying to cash a check.

An image of a pink piggy bank standing on top of a green and white striped rocket with smoke coming out of the end of the rocket.

Here’s everything you need to know about high-yield savings accounts.

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

Women checking amount in bank account passbook with bank statement

Here are a few different ways to see how much money you have in your bank account.

Coins sitting around in an overloaded jar could be put to better use. Here’s how.

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

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

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