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

Asian women using laptop computer at home working space.

CD terms can range from three months to five years. Learn which one is right for you.

Here’s everything you need to know about no-penalty CDs.

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.

Consider these important factors before investing in bonds and CDs.

Now is still a good time to consider CDs for your portfolio. Here are five reasons.

Add-on CDs can offer more flexibility than a traditional CD.

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

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

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.

Bankrate writer Karen Bennett and editor Marc Wojno pose in a selfie at the Money 20/20 conference in Las Vegas.

Banks are working to keep customers safe through AI apps and human interaction.

Slow shopping has been growing in popularity despite potential drawbacks.

Knowing a savings bond’s value can help you decide whether to hold it or redeem it.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

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

Balancing your checking account may sound dated, but it still makes sense.

Woman working with business document and laptop on the table

It’s a low interest rate environment, but there are ways to earn more on your money.

female soldier and her husband use a banking app to check the state of their finances

Bank account budgeting tools make it easy to track your personal finances.

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