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Certificates Of Deposit

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Explore CD basics

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The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
By Libby Wells

Tax considerations for certificate of deposit (CD) investors

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
By Karen Bennett
6 min read
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CD ladder: What it is and how to build one

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
By René Bennett
4 min read

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.

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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

3.82%APY
VS

National Average

1.96%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

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Principal U.S. Economy Reporter

Mark Hamrick

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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.

Years
$ 11,677.40
Your total balance
    0500100015002000Year 1Year 2Year 3Year 4Year 5Your EarningsNational Ave...
    Interest earned by year month 5:
    		Your earnings $1677.40
    		 National Average $481.52
    Total interest earned = $1677.40

    Our partners regularly offer APYs that are 2-4x higher than the national average – so you can grow your savings faster.

    Learn more
    A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

    What is a CD (certificate of deposit)?

    CDs often pay better interest than savings accounts and can amp up your nest egg.
    A young man researches in the library.

    How do CDs work? Learn about rates and terms

    CDs hold your funds for a set period. In exchange, you get a reliable return.
    A father multi-tasks with his young son.

    How to invest with CDs

    Savers, here are strategies to invest in CDs.
    person working on laptop at the kitchen table

    12 types of CDs: Which one is best for you?

    CDs come in many varieties, making it easy to find one that meets your needs.
    Middle aged woman on laptop

    How to open a certificate of deposit (CD)

    Everything you need to know about opening an account.
    woman using laptop in the kitchen

    Top 18 tips for CD savers

    These tips can help maximize your savings using certificates of deposit.
    A woman ponders

    What to do when a CD matures

    Find out what happens to CDs that are set to mature.
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    Best CD Rates

    Latest articles

    Woman watering plants.

    Current CD rates for November 2025

    Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
    Oct 31, 2025
    Woman Inserts Cash Into Wallet

    Bump-up CDs: What they are and how they work

    If you think rates may rise again soon, a bump-up CD could be what you’re looking for.
    Oct 27, 2025
    Photo of Fed Chair Jerome Powell at a podium, holding his hands up.

    The Fed just cut rates. Should I lock in a CD right now?

    The Federal Reserve lowered the federal funds rate by 25 basis points on Wednesday at the conclusion of its September meeting, marking the central bank’s first rate cut this year. For savers, that’s [...]
    Sep 17, 2025
    Clocks are displayed across an image of a dollar bill.

    Historical CD interest rates: 1984-2025

    Take a look at the days when CDs were offering investors double-digit returns.
    Sep 17, 2025
    Couple looking at laptop while sitting on sofa at home

    5 CDs to consider before another Fed rate cut

    As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
    Sep 15, 2025
    A woman does research online.

    How promotional (bonus) CD rates work

    These CD specials help you earn more money on interest without taking on risk.
    Sep 05, 2025
    A woman ponders

    What to do when a CD matures

    Find out what happens to CDs that are set to mature.
    Sep 04, 2025
    A man does research on his laptop.

    What is an add-on CD?

    Add-on CDs can offer more flexibility than a traditional CD.
    Sep 04, 2025

    How the Federal Reserve affects HELOCs and home equity loans

    If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
    Oct 29, 2025
    Jerome Powell, chairman of the US Federal Reserve, during the National Association of Business Economics (NABE) annual meeting in Philadelphia, Pennsylvania.

    The Fed makes a second interest rate cut. Here’s what will — and won’t — change for your money.

    Borrowers often don’t notice small rate cuts, and a weakening economy could dull the relief.
    Oct 29, 2025
    A Black couple talk to a salesperson at a car dealership.

    When will car interest rates start dropping?

    Auto rates will likely not decrease this year. Consider how to still save.
    Oct 29, 2025

    How does the Federal Reserve affect mortgages?

    The Federal Reserve’s decisions have ripple effects, including for mortgages.
    Oct 29, 2025
    Exterior of Federal Reserve building

    How does the Fed interest rate affect car loans?

    Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
    Oct 29, 2025
    Outside of the Federal Reserve building

    How the Federal Reserve impacts personal loans

    The Federal Reserve just lowered interest rates for the first time in four years.
    Oct 29, 2025
    Federal Reserve Eccles Building illustration

    Fed’s interest rate history: The federal funds rate from 1981 to the present

    Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
    Oct 29, 2025
    Jerome Powell, chairman of the US Federal Reserve, arrives for the Federal Reserve Board open meeting in Washington, DC, Oct. 24, 2025.

    What do the Fed’s rate cuts mean for stocks, crypto and other investments?

    The best way for most investors to approach this type of market is to stick to their long-term plan.
    Oct 29, 2025
    lots of coins and cash in a pile

    How to exchange coins for cash without the hassle

    Coins sitting around in an overloaded jar could be put to better use. Here’s how.
    Nov 05, 2025
    exterior of Bank of America branch building

    Are banks open today? Federal bank holidays in 2026

    Knowing bank holiday schedules can help you avoid delays on necessary transactions.
    Nov 05, 2025
    Credit sign on stone wall building

    Pros and cons of credit unions

    Evaluate the benefits and drawbacks to decide if a credit union is right for you.
    Nov 03, 2025
    Capital One Bank signage in New York City

    Banks that have cut or eliminated overdraft fees

    Banks are cutting overdraft fees in response to consumers and regulators’ demands.
    Nov 03, 2025
    Young Woman Checking Her Finances At Home

    Where is the account number and routing number on a check?

    Finding the account number on a check is easy — if you know where to look.
    Oct 31, 2025
    A man looking at a comically large stack of cash

    What is a money market account?

    This type of account can offer a low-risk way to earn a high yield.
    Oct 31, 2025
    Close-up of woman trading stock online on mobile phone

    Pros and cons of a money market account

    A money market account is like a parking spot for cash, but with a few guardrails.
    Oct 31, 2025
    Woman watering plants.

    Current CD rates for November 2025

    Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
    Oct 31, 2025
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