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 06/24/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.06^%_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.

Learn more

Latest articles

You can find a CD account that significantly out-earns the national average if you shop around among banks.

Here’s everything you need to know about zero-coupon CDs.

young woman on ipad with illustrations in the background

Understanding what determines CD rates can help you decide whether to get one.

Should you keep money you need access to in a no-penalty CD or in a savings account?

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

Investing in CDs for retirement offers benefits but also some drawbacks.

The Fed’s recent actions may force savers to start thinking differently about their money.

Jerome Powell walking through the Federal Reserve

With the Fed likely holding steady on rates for now, short-term CDs still look like a good option.

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.

New Friends Walking on University Campus

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

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

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

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?

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

Capital One Bank signage in New York City

Banks are cutting overdraft fees in response to consumers and regulators’ demands.

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

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

sleeping child and grandma rest on travel adventure for family bonding

Saving for your grandchildren can help to minimize the financial burdens they face down the road.

Rainy day and emergency funds differ but together provide a sound financial plan.

Man using tablet PC while having coffee at cafe

Use these strategies to keep your deposits safe when they top FDIC limits.

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.

Several banks continue to offer savings accounts well above 4 percent APY.

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