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 07/16/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.07^%_APY

National Average

2.03^%_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

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

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

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.

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

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.

Design element of Federal Reserve Chair Jerome Powell

The Fed is expected to cut interest rates a third time. Here’s what to watch.

Fed officials are still widely expected to cut interest rates for a third time.

The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.

Jerome Powell, Chair of the Federal Reserve of the United States

Follow along as Bankrate’s experts break down the Fed’s next interest rate decision.

Here’s a look at what a number of popular banks are doing.

Following the Federal Reserve rate cut in September, you might be asking, is it time to buy or sell a home? Here are some insights.

Picture of the front of the Federal Reserve building

A look at what a bank bailout is with some examples of notable bank bailouts from the past.

Fed Chair Jerome Powell speaks during a news conference

Fed officials are trying to prevent an economic slowdown from getting worse.

young man falling out of the sky along with various household items and cash

Businesses may now be starting to pass along higher costs from tariffs to consumers.

Learn how to earn the highest interest rates on a savings account.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

Bankrate’s list of all the failed banks in every U.S. state from 2009 to 2025.

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Younger man in his 30s paying bills on his computer, with calculator, papers, bills, coffee and a pair of glasses on the table by his side.

Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.

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