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

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.

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

Clocks are displayed across an image of a dollar bill.

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

Here’s everything you need to know about no-penalty CDs.

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

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

How to proceed when your CD matures during falling rates.

Couple looking at laptop while sitting on sofa at home

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

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

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

Fed Chair Jerome Powell speaks during a news conference

Fed officials are trying to prevent an economic slowdown from getting worse.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

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

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

Women using digital tablet to check her finances at home office

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

Budgeting in college helps you live within your means no matter what stage of life you’re in.

Mature caucasian man in his 50s using laptop looking concerned, puzzled and confused.

Opening a bank account you may need to close soon? Don’t pay a fee for that.

Here’s how to use cash to help you stay within your budget each month.

You can spend less on reorders and still have the security features you need.

Smiling couple sitting on stairs in a loft sharing cell phone

Physical cash is becoming less relevant as money management goes digital, but it’s a good idea to have a reasonable amount of cash at home in case of emergencies. Here’s more information about how [...]

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Let’s look at several online banks and credit unions that let you deposit cash.

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Many households have too little saved to survive job loss or other emergencies.

Over time, ATM fees have climbed. Here’s what you need to know.

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