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

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

Here’s everything you need to know about brokered CDs.

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

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 couple managing finance and investment online

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

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.

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.

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.

Federal Reserve Chair Jerome Powell speaks at a post-Federal Open Market Committee press conference

The Fed’s decision is a vote of confidence about the economy.

Federal Reserve Chairman Jerome Powell speaks to lawmakers at a testimony

The Fed’s massive bond-buying program has about run its course. Here’s how a taper works.

Federal Reserve Chair Jerome Powell speaks at congressional hearing.

The president will have to weigh his party’s priorities with his desire for continuity.

Federal Reserve Chair Jerome Powell speaks to lawmakers during a testimony.

Experts say higher inflation and a faster rebound could force the Fed’s hand.

Federal Reserve Bank Chairman Jerome Powell speaks at a press conference in Washington

The Fed isn’t in a rush to raise rates, but slowing asset purchases appears to be on deck.

Stacks of dollars bills moving through a machine at the U.S. Bureau of Engraving and Printing

You might not know it, but the repo market is the bedrock for the financial system.

Federal Reserve Chairman Jerome Powell speaks to reporters at a press conference.

As the economy rebounds, don’t expect the Fed’s extraordinary support to last forever.

A man pushes his bags on the departures level at Los Angeles International Airport while wearing a mask.

The worst downturn in a lifetime was also the shortest.

Slow shopping has been growing in popularity despite potential drawbacks.

Knowing a savings bond’s value can help you decide whether to hold it or redeem it.

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.

Balancing your checking account may sound dated, but it still makes sense.

Woman working with business document and laptop on the table

It’s a low interest rate environment, but there are ways to earn more on your money.

female soldier and her husband use a banking app to check the state of their finances

Bank account budgeting tools make it easy to track your personal finances.

Side view of father cooking food while daughter having apple in kitchen

These simple moves can help build a cash cushion.

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