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

Bank sign on glass wall of business center

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

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

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.

Holding up a golden piggy bank, balancing on one finger

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.

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.

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.

The Federal Reserve just lowered interest rates for the first time in four years.

Residential area with architectural homes on Main Street

And if so, how low can they go?

Illustration of a person holding a house with a rain cloud over it

How might a recession affect the housing market?

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

Picture of the front of the Federal Reserve building

A look at what a bank bailout is with some examples of notable bank bailouts from the past.

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.

Fed Chair Jerome Powell speaks during a news conference

Fed officials are trying to prevent an economic slowdown from getting worse.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

A new Bankrate study reveals where infant care is the most and least affordable in the U.S.

Broken whiter ceramic piggy bank in pieces on red surface

Here’s why banking at an FDIC-insured bank is vital for the safety of your money.

Learn what a relationship rate is and how it can impact your money.

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

Bankrate’s list of all the failed banks in every U.S. state from 2009 to 2024.

A hand making an "OK" sign, a bank vault, and a check

An extra paycheck in the month can be a game-changer for your finances. Here’s how.