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

Clocks are displayed across an image of a dollar bill.

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.

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.

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.

Couple looking at laptop while sitting on sofa at home

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

Design element of woman sitting at desk in front of laptop.

Wages are on pace to fully recover from inflation by the second quarter of 2025.

Real estate agent greets a client in front of a red brick home

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

family of 4 posing in front of new red-brick house, green lawn and nice landscaping

With a Fed rate cut finally on the horizon, here’s what homebuyers should know.

Image of Federal Reserve Chair Jerome Powell

Can a Fed rate cut stop the housing market roller coaster?

How Reg. D impacts your savings account and why it pays to check with your bank.

Couple sitting on a sofa, looking at a laptop

Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.

Traders work on the floor of the New York Stock Exchange

It isn’t always about two consecutive quarters of negative GDP growth.

Federal Reserve Chair Powell at a podium

As the job market weakens, some economists say the Fed should’ve cut rates already.

Use this challenge to stash more cash toward your savings goals.

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.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.

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.

Federal Reserve Board Federal Reserve Chairman Jerome Powell speaks during a news conference.

Fed officials, however, are uncertain about how many times they’ll be able to cut borrowing costs in 2025.

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.