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

A father multi-tasks with his young son.

Savers, here are strategies to invest in CDs.

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

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

These seven banks and credit unions offer competitive rates on CDs for businesses.

Clocks are displayed across an image of a dollar bill.

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

Young couple managing finance and investment online

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

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.

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.

Federal Reserve Chair Jerome Powell speaks at the June post-meeting press conference

The Fed hasn’t raised rates this much in a single year since 1994.

Americans are desperately waiting for some relief from inflation.

Illustration of person at a kitchen table frustrated over finances

Americans are finding it impossible to avoid inflation.

Federal Reserve Chair Jerome Powell speaks at press conference

The majority put the economy’s recession chances at 50 percent or more.

Fed Chair Jerome Powell testifies before Congress

In a survey, market pros expect the 10-year Treasury yield will continue higher over the next year.

A customer holds a fuel nozzle at a Shell gas station in California

High inflation has a financial toll similar to job loss.

Federal Reserve Jerome Powell gives a post-meeting press conference

The Fed’s move is the biggest increase since 1994 and undoubtedly raises the risks of a recession.

man sitting on the couch and looking at his phone

The online-only bank’s savings rate tops many competitors.

Savers, here are strategies to invest in CDs.

exterior of Bank of America branch building

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

Financial manager meeting with couple in bank branch office

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

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.

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

Here’s how to determine what a good interest rate is on your deposit accounts.

Here’s a convenient way for Apple device users to transfer money between friends and family.

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.

The trusted provider of accurate rates and financial information