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

woman working on her laptop at the kitchen table

CDs come in many varieties, making it easy to find one that meets your needs.

Consider these important factors before investing in bonds and CDs.

Should you keep money you need access to in a no-penalty CD or in a savings account?

Jumbo CDs pay a higher yield than other CDs. Here’s what to know before opening one.

Withdrawing your money from a CD before the term ends can be costly.

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.

Investing in CDs for retirement offers benefits but also some drawbacks.

The Fed’s recent actions may force savers to start thinking differently about their money.

Couple sitting on a sofa, looking at a laptop

Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

The Federal Reserve raised interest rates several times. These interest rate changes are likely to affect the rates of personal loans.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Federal Reserve Chair Powell at a podium

As the job market weakens, some economists say the Fed should’ve cut rates already.

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.

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.

white-collar woman looks tired in the office

Despite strong economic indicators, many Americans are experiencing a “vibecession.”

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.

Financial manager meeting with couple in bank branch office

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

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

Man in coffee shop using laptop with a card in his hand.

The rule provides a framework for settling unauthorized debit-card transactions.

Here are easy actions you can take to avoid the fee of get it waived.

woman managing personal banking and finance at home

Working as a freelancer requires a new approach to saving money. Here’s how.

Couple looking at computer with their financial advisor

Local banks provide valuable in-person services that online-only banks can’t offer.

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