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

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.

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

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

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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.

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.

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.

Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.

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A new Bankrate survey also finds 1 in 4 Americans is open to buying a home in 2017.

Not sure what the Fed does when it meets? Let these children fill you in.

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1 in 4 Americans has no savings, our survey finds. Here’s how stashed cash can help.

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Impatience with income has led to a wavering sense of financial security in the U.S.

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20% of Americans don’t have any savings, but millennials buck the trend.

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Finances can be complicated for those 40 and up. Here’s how to make your 40s fabulous.

When we asked people how much they save, the answer was surprising.

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