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

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.

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.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

Women using digital tablet to check her finances at home office

For savers, here’s what to consider when the Fed raises interest rates.

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

The Federal Reserve’s decisions have ripple effects, including for mortgages.

Banking_How-the-Fed-Rate-Affects-Housing_

The Fed has cut rates by half a percentage point — how will that affect the housing market?

Stacks of dollars bills moving through a machine at the U.S. Bureau of Engraving and Printing

You might not know it, but the repo market is the bedrock for the financial system.

For Rent sign taped on gated storefront, Queens, New York

The only thing harder than shutting down the world’s largest economy is bringing it all back to life.

One Florida credit union aims to offer an alternative to check-cashing stores by starting their own, offering lower interest rates and fees. Elsewhere, middle-income consumers and college students are [...]

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

As the economy rebounds, don’t expect the Fed’s extraordinary support to last forever.

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.

The coronavirus pandemic drained Americans’ savings accounts.

The first of six monthly Child Tax Credit (CTC) payments start July 15.

The concept is seen as a way to boost innovation and competition, ultimately giving consumers better digital options for their money.

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