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.

Weekly CD Rates

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

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 03/31/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

1.85^%_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, 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

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

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

Planning for retirement? Here’s what you need to know about IRA CDs.

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

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

woman working on her laptop at the kitchen table

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

Illustration of calculator and stacks of cash

If you have $25,000 to invest in a CD right now, here’s how much you could earn.

Illustration of a bar graph, moving down from left to right.

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 [...]

Bankrate’s experts are reacting live to the Fed’s latest interest rate decision.

Cash-out refis are out, and home equity lines of credit are in.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

If you have credit card debt, your interest rates are likely to remain high in 2025.

Design element of Federal Reserve Chair Jerome Powell

The Fed is expected to cut interest rates a third time. Here’s what to watch.

Fed officials are still widely expected to cut interest rates for a third time.

The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.

Jerome Powell, Chair of the Federal Reserve of the United States

Follow along as Bankrate’s experts break down the Fed’s next interest rate decision.

Here’s how to find the credit union that will best fit with your financial needs.

Two professionals discussing a money order

Completing a money order requires just a few simple steps. Here’s how.

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

How many bank accounts are too many? Use the rule of two hours to find out.

Recession risks are rising. Learn six smart savings strategies to protect your money before it hits.

A young woman is in the living room, she is using a laptop and credit card

Stop wasting time writing checks. Learn the faster, safer way to pay.

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.

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