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Certificates Of Deposit

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Explore CD basics

Man at laptop, deep in thought

The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
By Libby Wells
IRS building

Tax considerations for certificate of deposit (CD) investors

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
By Karen Bennett
4 min read
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CD ladder: What it is and how to build one

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
By René Bennett
5 min read

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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

Bankrate Partner Average

4.10%APY
VS

National Average

1.88%APY

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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

Mark Hamrick

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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.

Years
$ 11,677.40
Your total balance
    012345Year 1Year 2Year 3Year 4Year 5Your EarningsNational Ave...
    Interest earned by year month 5:
    		Your earnings $1677.40
    		 National Average $481.52
    Total interest earned = $1677.40

    Our partners regularly offer APYs that are 2-4x higher than the national average – so you can grow your savings faster.

    Learn more
    A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

    What is a CD (certificate of deposit)?

    CDs often pay better interest than savings accounts and can amp up your nest egg.
    A young man researches in the library.

    How do CDs work? Learn about rates and terms

    CDs hold your funds for a set period. In exchange, you get a reliable return.
    A father multi-tasks with his young son.

    How to invest with CDs

    Savers, here are strategies to invest in CDs.
    woman working on her laptop at the kitchen table

    12 types of CDs: Which one is best for you?

    CDs come in many varieties, making it easy to find one that meets your needs.
    Middle aged woman on laptop

    How to open a certificate of deposit (CD)

    Everything you need to know about opening an account.
    woman using laptop in the kitchen

    Top 18 tips for CD savers

    These tips can help maximize your savings using certificates of deposit.
    A woman ponders

    What to do when a CD matures

    Find out what happens to CDs that are set to mature.
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    Best CD Rates

    Latest articles

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    Current CD rates for April 2025

    Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
    Apr 10, 2025
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    Bump-up CDs: What they are and how they work

    If you think rates may rise again soon, a bump-up CD could be what you’re looking for.
    Mar 25, 2025
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    What is an IRA CD? What you should know

    Planning for retirement? Here’s what you need to know about IRA CDs.
    Mar 19, 2025
    Man using laptop in kitchen

    What is a callable CD? Here’s what to know

    Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.
    Mar 13, 2025
    A man does research on his laptop.

    What is an add-on CD?

    Add-on CDs can offer more flexibility than a traditional CD.
    Mar 13, 2025
    woman working on her laptop at the kitchen table

    12 types of CDs: Which one is best for you?

    CDs come in many varieties, making it easy to find one that meets your needs.
    Mar 12, 2025
    Illustration of calculator and stacks of cash

    Here’s how much investing $25,000 in a CD right now could earn you in 1 year

    If you have $25,000 to invest in a CD right now, here’s how much you could earn.
    Mar 03, 2025
    Illustration of a bar graph, moving down from left to right.

    What is an inverted yield curve? And why does it matter for you

    When policymakers and investors seek economic insight, they often use a tool called the yield curve. A yield curve measures the spread between yields on short- and long-term maturity bonds over time. It’s [...]
    Feb 28, 2025
    Federal Reserve chair

    3 things to watch for at the Fed’s April-May meeting

    The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.
    Apr 26, 2019
    Jerome Powell Fed FOMC Decision Day

    Federal Reserve leaves interest rates unchanged, sees no more hikes this year

    The Fed voted to leave interest rates alone for the second-straight meeting.
    Mar 20, 2019
    Homes in Chicago neighborhood

    Economists survey: Expect the Fed to hike again in 2019, but mortgage rates won’t take off

    Two-thirds of economists surveyed say the U.S. central bank will increase borrowing costs again in 2019.
    Mar 06, 2019
    Chairman of the Federal Reserve nominee Jerome Powell is sworn in during his confirmation hearing before the Senate Banking, Housing and Urban Affairs Committee

    Meet Jerome Powell, the new chair of the Federal Reserve

    Learn all about Jerome Powell, who is presiding over his first FOMC policy meeting.
    Mar 21, 2018
    Financial manager meeting with couple in bank branch office

    National average money market account rates for April 2025

    Get the latest rates on top-yielding money market accounts.
    Apr 10, 2025
    Woman watering plants.

    Current CD rates for April 2025

    Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
    Apr 10, 2025
    Image of the back of a man in a suit standing in front of a large line graph that is on top of a half shredded U.S. Dollar.

    What is stagflation, explained — and whether the economic crisis could return from Trump’s trade war

    Stagflation is an economic “super villain,” bringing high inflation and unemployment.
    Apr 10, 2025
    Woman reaching in to the air for cash

    What is inflation? Here’s how rising prices can erode your purchasing power

    Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
    Apr 10, 2025
    Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

    What is the average interest rate for savings accounts?

    Comparing savings rates can ensure you get the best return on your savings.
    Apr 10, 2025
    Side view of father cooking food while daughter having apple in kitchen

    How to save money fast: 25 ways

    These simple moves can help you build a cash cushion.
    Apr 10, 2025
    Image of Jerome Powell and Donald Trump side by side above the Federal Reserve building.

    Trump’s trade war could force the Fed to cut rates. Here’s why that might not do borrowers much good.

    Lower rates won’t fix trade uncertainty, and credit could still be tight.
    Apr 10, 2025
    Home Finances

    Amid high tariff fallout, here’s how to earn more interest on your savings account

    Here’s how to earn more interest with a high-yield savings account.
    Apr 08, 2025
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