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

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Savers, here are strategies to invest in CDs.

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

Here’s everything you need to know about brokered CDs.

These seven banks and credit unions offer competitive rates on CDs for businesses.

Clocks are displayed across an image of a dollar bill.

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

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

Cropped shot of a businessman using his computer in his home office

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

Man working on laptop and cellphone simultaneously

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

It just might be. But don’t forget the fundamentals of how home equity loans work.

The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

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

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

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

It takes work and a positive mindset, but an emergency fund can be there for you when you need it most.

People sit and watch a broadcast of the first debate between President Donald Trump and Democratic presidential nominee Joe Biden.

Either candidate will have to wrestle with a potentially slow rebound while in the Oval Office.

Speaker of the House Nancy Pelosi speaks from a lectern

The HEROES Act is back, but it could be a non-starter for some Republicans.

People wait outside a grocery store during the pandemic.

Here’s what you should do to keep your personal finances as healthy as possible.

A woman walks by a store going out of business in New York City.

States’ unemployment benefits are one of the few coronavirus relief lines left.

Here’s what might happen if everyone received a guaranteed minimum income from the government.

A woman wearing a facemask enters a building where the Employment Development Department has its offices in Los Angeles, California on May 4, 2020, past a posted sign mentioning the closure of the offices's public access counters due to the coronavirus pandemic. - Dismal US employment figures are expected with the release Friday May 8 of figures for April's US jobs report, with 30 million Americans filing for unemployment in the last six weeks.

Overwhelmed state unemployment offices have left Americans without aid for weeks, if not longer.

The financial practice of spending less than you make doesn’t apply to the federal government.

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