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.

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Latest articles

CDs hold your funds for a set period. In exchange, you get a reliable return.

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

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

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.

Clocks are displayed across an image of a dollar bill.

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

Woman with glasses in front of a computer with her hand by her head, looking worried.

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

Couple looking at laptop while sitting on sofa at home

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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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.

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If you’re considering a rewards checking account, here’s what you need to know.

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Services such as Zelle and Venmo make splitting a bill or sending money a breeze.

Follow these tips for the lowest fees and highest rates when opening an account.

You may be concerned about your bank in light of recent events. Here’s what you need to know.

Consider these four factors when choosing the right high-yield savings account.

CDs hold your funds for a set period. In exchange, you get a reliable return.

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Mobile banking apps aren’t just trendy, they can help you better manage your money.