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.

Clocks are displayed across an image of a dollar bill.

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

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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.

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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.

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

Here’s how to proceed when your CD matures during falling rates.

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

President Biden speaks at event marking Equal Pay Day

There’s no telling when inflation will slow down.

With inflation raging, this is where experts suggest to invest to beat rising prices.

Jerome Powell testifies before a Senate Committee

Experts expect Treasury yields to increase over the next 12 months as the Fed hikes rates following the pandemic.

Federal Reserve Chair Jerome Powell speaks with journalists at a post-meeting press conference

The move marks an end to the Fed’s most aggressive economic rescue effort in history.

Federal Reserve Eccles Building in Washington, D.C.

The Fed’s unconventional tool for fending off recession is being wound down.

President Joe Biden stands behind Federal Reserve Chair Jerome Powell at the announcement of his renomination

Consumers are bracing for a longer stretch of high inflation. But when can it be expected to slow down?

The job market is booming. Inflation is raging. The Fed is poised to take away the punch bowl.

Federal Reserve Chair Jerome Powell speaks with lawmakers at a congressional testimony

Officials are sounding the alarm that they’re running the economy too hot.

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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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.

signage outside the federal deposit insurance corporation headquarters

Worried about losing money held at a bank? Here’s what to know about FDIC insurance.

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The start of a new year is a great time to set financial intentions.

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These simple moves can help build a cash cushion.

Pink piggy bank stuffed with dollar bills

Even as interest rates drop, some top-yielding savings accounts remain competitive.

Online checking accounts stand out for different features. Here’s our top picks.

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