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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

4.07%APY
VS

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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

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

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Locking in a high yield now could be beneficial in the event rates begin to drop.
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These tips can help maximize your savings using certificates of deposit.
Couple talking to a financial advisor about an investment
Consumers move to interest-bearing accounts; banks increase funds for brokered CDs.
Tortoise turns 100 years old.
The 100-year CD targets investors with philanthropic or generational-wealth goals.
Shot of a young businesswoman using a digital tablet outside of an office
Learn how you can lose money on a CD.
A woman does research online.
These CD specials help you earn more money on interest without taking on risk.
Woman doing financial paperwork
Better to let a CD automatically renew or cash it in? Here’s a guide for those looking to renew.
man working on tax forms with calculator
Looking to score more tax deductions? IRA CDs might be for you.
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.
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The Federal Reserve’s actions can influence student loan interest rates.
Design element with Jerome Powell
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?
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.
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Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
Piggy bank in the green grass at sunset
Banks are increasing offerings of green accounts. Here’s what you need to know.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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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.
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Many women feel financial success is out of reach in today’s economy — but it doesn’t have to be.
A large pile of cash next to a padlock
A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
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