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

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

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

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Know the two major benefits of opening a CD now, even as interest rates decline.

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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.

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Find out which CD term is best for your financial goals in a lower rate environment.

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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)

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.

Friends laugh while gathered at a table eating a meal and socialization.

Here’s where the nation’s top economists see hiring, the Fed and inflation heading over the next year.

A shopper wearing a protective face mask fills a grocery cart with bottled water at a supermarket.

Higher inflation is here, but the big question is whether it’s here to stay or not.

The savings account has always been a time-tested standby. Here’s why it still matters.

Federal Reserve Chairman Jerome Powell speaks at a press conference after an FOMC meeting.

The Fed’s patience could be challenged as the U.S. economy comes roaring back to life.

Woman reading folder at desk in living room

Here’s how to respond to lower rates if you’re in the market for a CD or savings account.

Woman looking at bar graphs with mask on illustration.

But the U.S. economy should pick up speed, thanks to fresh fiscal stimulus.

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

The Fed is pledging to keep aggressively supporting the economy, even after the pandemic officially ends.

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.

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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.

A woman wearing a facemask enters a building where the Employment Development Department has its offices in Los Angeles, California on May 4, 2020, past a posted sign mentioning the closure of the offices's public access counters due to the coronavirus pandemic. - Dismal US employment figures are expected with the release Friday May 8 of figures for April's US jobs report, with 30 million Americans filing for unemployment in the last six weeks.

Overwhelmed state unemployment offices have left Americans without aid for weeks, if not longer.

The Internal Revenue Service is automatically sending $1,400 stimulus payments to about one million Americans who never claimed their COVID-19 relief checks from 2021, according to a recent announcement. [...]

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Knowing bank holiday schedules can help you avoid delays on necessary transactions.

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