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

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.

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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.

Personal banker instructs clients concerning online banking

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

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.

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

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.

Easy mornings and working from home for this couple

Savings yields topping inflation could let you hold onto your purchasing power.

Here’s everything you need to know about brokered CDs.

The amount of money you should save each month will vary based on your goals. Here’s what to know.

Confused about finding an HSA? Use these tips to determine the best deal for you.

Online checking accounts stand out for different features. Here’s our top picks.

exterior of Bank of America branch building

Knowing bank holiday schedules can help you avoid delays on necessary transactions.

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