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.

Learn more

Latest articles

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

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

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

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

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

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

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Here’s how to proceed when your CD matures during falling rates.

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

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

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.

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

The Fed’s latest cut means cheaper business loans. Here’s what it means for you.

The Federal Reserve just lowered interest rates for the first time in four years.

Auto rates will likely not decrease this year. Consider how to still save.

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.

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Here’s how to save money on groceries, utilities and other everyday purchases.

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Financial anxiety – what is it and how to reduce money stress

Comical image of a lady up to her eyes in a pile of cash

Find out who is affected most by financial stress by statistic and how to cope.

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Manage money anxiety in a low rate environment with these savings strategies.

Here’s how young adults can live within their means while saving for the future.

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Here are simple steps to take to avoid paying checking account fees.

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CDs and fixed annuities can be great retirement options. Here are the differences.

If you’re struggling to save money right now, you’re not alone. Here’s how a few easy changes can help.

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