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.

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

Here’s everything you need to know about no-penalty CDs.

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

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.

Couple looking at laptop while sitting on sofa at home

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

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

Consider these important factors before investing in bonds and CDs.

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How hard will the Fed have to push to slow the economy enough?

Woman covering face with hands. Clouds, caution sign, and cash float cartoonishly behind her

Will a recession not wreck the economy’s party after all — or is it just late?

Don’t expect mortgage rates to depart from the current trend, experts say.

Fed Chair Jerome Powell speaks at Fed press conference

The higher rates rise, the more Fed watchers wonder: Is the Fed about done?

A stressed mature man goes through his home finances at the dining table

High inflation and interest rates are leading many Americans to rely on credit.

Aerial view of the houses in the suburban areas in Sayerville, New Jersey, USA

The downgrade of U.S. debt created one more reason for mortgage rates to stay at a peak.

Fed Chair Jerome Powell speaks at a press conference after the June rate-setting meeting

The real question is: What will the Fed’s next moves be?

Young forlorn woman sitting down with a suitcase packed

Hit with mounting housing woes, young people ask: Wait it out or make a sacrifice?

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Here are some places to look for a source of funds.

Here’s how to boost your savings.

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.

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Here are some of the best savings accounts you can sign up for as a business owner.

Six Bankrate experts share the career moves that let them get ahead financially.

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 are 11 creative ways to save money, regardless of your financial goals.

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