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 04/01/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.04^%_APY

National Average

1.87^%_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 [...]

Design element of woman sitting at desk in front of laptop.

Wages are on pace to fully recover from inflation by the second quarter of 2025.

Real estate agent greets a client in front of a red brick home

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

family of 4 posing in front of new red-brick house, green lawn and nice landscaping

With a Fed rate cut finally on the horizon, here’s what homebuyers should know.

Image of Federal Reserve Chair Jerome Powell

Can a Fed rate cut stop the housing market roller coaster?

How Reg. D impacts your savings account and why it pays to check with your bank.

Couple sitting on a sofa, looking at a laptop

Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Federal Reserve Chair Powell at a podium

As the job market weakens, some economists say the Fed should’ve cut rates already.

Young professional man working on a laptop in a cozy space with coffee

Being scammed can have devastating effects on your finances. Here’s how to stop it.

A man use two-factor authentication from his phone

Protecting your financial data can help keep your money safe from fraudsters.

A bank building with a large gold medal hanging from it

The best bank and credit union for you will depend on your banking needs, but in general, the best banks offer accounts with low or no minimum balance requirements and don’t charge monthly fees — or [...]