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

Add-on CDs can offer more flexibility than a traditional CD.

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

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

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

Young couple managing finance and investment online

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

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

Couple sitting on a sofa, looking at a laptop

Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

The Federal Reserve raised interest rates several times. These interest rate changes are likely to affect the rates of personal loans.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Federal Reserve Chair Powell at a podium

As the job market weakens, some economists say the Fed should’ve cut rates already.

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

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

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.

Hand holding cash and a bank building in the background

If you’re interested in the good a bank can do, you should know about these banks.

Most banks still limit money market account withdrawals. Here are the details.

Young woman on laptop with illustrations of money coming out of it

Here’s how to tell if you need a dedicated business account for your side gig.

Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.

Here’s a regional look at what today’s job seekers are up to.

Illustration of calculator and stacks of cash

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

The right savings strategy could put that family vacation within reach.

Woman having coffee and texting on her phone at home

Should you let these fintechs automate your budgeting?

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