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.

Learn more

Latest articles

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

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

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

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 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.

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed cuts rates.

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.

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.

Learn about five ways in which you can break out of the credit card debt cycle.

Jerome Powell at frowning while standing at podium

Fed Chair Jerome Powell said interest rates “may not be far off” from their peak.

Illustrated image of a house with graphics in the background hinting at rising rates

Will the long-awaited decline begin this month?

U.S. Federal Reserve Chair Jerome Powell attends a press conference

The Fed won’t want to declare victory in its inflation fight too soon.

People queue up outside the headquarters of Silicon Valley Bank

Recession odds stalled to the start the year — but those risks are back.

Will a recession be the ultimate cost of slowing prices?

Experts see job cuts and a one-point jump in unemployment by this time next year.

Members of the media interview a Silicon Valley Bank customer outside of the bank office

Silicon Valley Bank’s failure caused quite a stir. Here’s what’s going on there now.

image of calculator and christmas tree ornament

Here’s how you can start paying off that holiday debt and building up your savings.

Mother and daughter shopping for vegetables

These simple moves can help you build a cash cushion.

Bankrate offers 18 ideas for stretching your budget to save money.

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.

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

Here’s what you need to know about interest checking accounts.

Close up, two hands holding a one hundred dollar bill

Even earning as little as $100 in extra income here and there can give you added spending money.

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