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

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.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

How to proceed when your CD matures during falling rates.

Federal Reserve Chair Jerome Powell attends a press conference in Washington, D.C.

The decision adds to suspicions that officials are done raising rates.

Jerome Powell juxtaposed against an illustrated artistic background

Experts are doubting the Fed’s September projections that showed one more rate hike.

Even at higher rates, a HELOC is worth considering over other types of financing.

Panoramic aerial view of upscale neighborhood in the suburb

The sharp rise in mortgage rates raises a new question: How much higher could they go?

The average 30-year fixed mortgage rate touched 8 percent on Oct. 19, according to Bankrate data.

Will the Fed keep interest rates too high for too long?

Woman jumping in the air with cash spread out behind her like wings. A now hiring sign hangs in the background.

The strong economy isn’t leading economists to rethink their job market forecasts.

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How hard will the Fed have to push to slow the economy enough?

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.

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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.

With some planning and preparation, this is how I reduced my Thanksgiving grocery bill.

Slow shopping has been growing in popularity despite potential drawbacks.

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