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.

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

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

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Take a look at the days when CDs were offering investors double-digit returns.

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It’s important to weigh your options after missing your CD’s maturity date.

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As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

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Find out which CD term is best for your financial goals in a lower rate environment.

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If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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Know the two major benefits of opening a CD now, even as interest rates decline.

All CDs have one thing in common: They’re among the safest places to park your cash.

Learn about five ways in which you can break out of the credit card debt cycle.

Donald Trump sitting at a desk in the Oval Office.

Tariffs are an import tax on foreign-made goods, and they act like a sales tax.

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Rate cuts from the Fed usually help borrowers. They aren’t right now.

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Interest rates are not coming down as quickly as they surged.

Women using digital tablet to check her finances at home office

For savers, here’s what to consider when the Fed lowers interest rates.

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

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

Here’s how to save an extra $100 monthly with simple changes.

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.

Financial manager meeting with couple in bank branch office

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

With a bit of planning, you can reduce your grocery bill. Here’s how.

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

Walk away with stacks of cash just for opening a checking or savings account.

Consumers without a bank account face hurdles when trying to cash a check.

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These five banking apps can help you save money even on a tight budget.

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