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

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

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

Locking in a high yield now could be beneficial in the event rates begin to drop.

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

Find out what happens to CDs that are set to mature.

With a possible recession looming, here’s what savers should know about CDs.

I’ve often referred to 2024 as the year of the certificate of deposit (CD). In tracking CD rates on a daily basis, I’ve seen how yields remain at an overall high, thanks to the Federal Reserve raising [...]

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

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.

Portrait of a happy woman smiling outdoors and looking thoughtful

The Federal Reserve is poised to cut rates in September. Will it be enough to entice homebuyers?

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

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

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

In case of a potential emergency, it pays to be financially prepared.

Consumer grabbing water bottle with mask during coronavirus

Americans remain cautious about making in-person trips to businesses.

Customers walk past a Chase Bank branch.

Find out who’s waiving fees and helping families facing a financial hardship from the COVID-19 outbreak.

A picture of the coronavirus on a blue background

Half of those same households report having taken on more debt.

A sign stating that job placement program is closed during coronavirus pandemic.

Joblessness has surged to catastrophic levels not seen for nearly a century.

A man wearing a mask walks past the U.S. Federal Reserve building in Washington D.C.

One of the Fed’s greatest fears is a slow and grueling economic recovery.

Federal Reserve Chairman Jerome Powell talks to reporters at press conference

The coronavirus pandemic has brought the U.S. economy to its knees.

A custom image of a $100 bill and a mask.

Stimulus checks have arrived, but more support is needed from political leaders, consumers say.

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