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

Clocks are displayed across an image of a dollar bill.

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

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

Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology

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

Young couple managing finance and investment online

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

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.

Cropped shot of a businessman using his computer in his home office

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

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

Here’s 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)

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.

Federal Reserve Eccles Building illustration

The key benchmark has been as high as 20 percent — and as low as 0 percent.

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

Women using digital tablet to check her finances at home office

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

Fed chair Jerome Powell makes a presentation

The Federal Reserve announced that it’s lowering interest rates following its Dec. 17-18 meeting.

A woman shopping during the holiday season.

These holiday savings accounts are still available at many small banks and credit unions. But are they the best way to save?

Design element of Federal Reserve Chair Jerome Powell

The Fed is expected to cut interest rates a third time. Here’s what to watch.

Walk away with stacks of cash just for opening a checking or savings account.

sleeping child and grandma rest on travel adventure for family bonding

Saving for your grandchildren can help to minimize the financial burdens they face down the road.

The trusted provider of accurate rates and financial information