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 07/13/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.07^%_APY

National Average

2.02^%_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

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.

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.

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.

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

Federal Reserve Chair Jerome Powell speaking behind a podium.

Here’s what investing pros said about Fed Chair Jerome Powell’s performance while heading up the Federal Reserve.

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

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

New Friends Walking on University Campus

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

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

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

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?

Banks are increasing offerings of green accounts. Here’s what you need to know.

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Woman with morning cup of coffee, sitting on patio and enjoying moment for herself.

Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.

Woman studying a document and working on a laptop

Here’s how multiple savings accounts can help you reach your financial goals.

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