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.

Bank sign on glass wall of business center

Looking for a high-yielding APY on a CD? Consider CD offered at these big banks.

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

A focused mature male freelancer sitting at the wooden table at home and reading online projects on a laptop.

These certificates of deposit (CDs) have no minimum deposit.

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CDs and fixed annuities can be great retirement options. Here are the differences.

Step-up CDs can help you potentially earn a higher rate of return later on.

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

Illustration of calculator and stacks of cash

If you have $2,500 to invest in a CD right now, here’s how much you could earn.

Bankrate delivers the latest news to you.

Woman accessing her checking account at home on a laptop

Not paying fees and an easy way to bank should all be priorities. Here are some of our favorites.

Here’s everything you need to know about high-yield savings accounts.

Here’s a look at what a number of popular banks are doing.

Illustration of a US Federal Reserve ink stamp

Every financial decision you make is impacted by the Federal Reserve.

Some high-profile economists have called the Fed’s half-point call “a mistake.”

Design element with Jerome H. Powell chairman of the Board of Governors

Rate cuts are coming. Just don’t call this a low-rate environment just yet.

Mom preparing financial paperwork at home while her child draws next to her

Single people and young families tend to have significantly less saved.

Close up of woman's hand typing on computer keyboard in the dark against colourful bokeh in background, working late on laptop at home

A new CFPB rule will make it easier for people to transfer their data between banks.

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