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

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 tips can help maximize your savings using certificates of deposit.

Couple talking to a financial advisor about an investment

Consumers move to interest-bearing accounts; banks increase funds for brokered CDs.

The 100-year CD targets investors with philanthropic or generational-wealth goals.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

A graph showing an upward trend from 2024 to 2025. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Sometimes paying an early withdrawal penalty to take advantage of a better deal isn’t a bad idea.

Illustration of calculator and stacks of cash

If you have $25,000 to invest in a CD right now, here’s how much you could earn.

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.

Use this challenge to stash more cash toward your savings goals.

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.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

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.

Federal Reserve Board Federal Reserve Chairman Jerome Powell speaks during a news conference.

Fed officials, however, are uncertain about how many times they’ll be able to cut borrowing costs in 2025.

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

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.

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