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.

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

woman carrying suitcase, walking by the window at airport terminal

Traveling can be an exciting and enriching experience, but it also comes with its share of challenges, especially when it comes to the financial aspect of your trip.

Here’s why we think “The Psychology of Money” is a worthwhile read.

No matter your age, these tips can help you improve your financial situation.

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

Whether you hope to buy a home or just rent for a while, a solid savings plan is the key to finally moving out of your parents’ house.

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Overpaid in unemployment benefits? Here’s how to resolve the issue efficiently.

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Follow these steps to send or request money easily with Zelle.

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