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

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If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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

Clocks are displayed across an image of a dollar bill.

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

Here’s everything you need to know about no-penalty CDs.

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

Know the two major benefits of opening a CD now, even as interest rates decline.

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.

Couple looking at laptop while sitting on sofa at home

As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

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

These policymakers will influence the crucial debate of when to cut interest rates.

Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.

With a possible recession looming, here’s what savers should know about CDs.

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

The most common sign of financial success is living comfortably, Americans say.

People shop in the food section of a retail store in Rosemead, California

Here are five of the best inflation hedges to help protect your portfolio against inflation.

Now a cornerstone of Fed policy, the balance sheet has big implications for your wallet.

Federal Reserve Bank Chair Jerome Powell at the Fed's post-meeting press conference

The Fed hopes to prevent major market disruptions that could cause rates to spike.

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Mother and daughter shopping for vegetables

These six simple moves can help you build a cash cushion.

Easy mornings and working from home for this couple

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

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Here are some places to look for a source of funds.

Here’s how to boost your savings.

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.

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

Young woman working from her kitchen island and drinking a hot beverage

Here are some of the best savings accounts you can sign up for as a business owner.

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