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.

Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 08/03/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.13^%_APY

National Average

2.03^%_APY

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.

Initial Deposit:

Over a period of:

Months

Years

APY:

$ 11,677.40

Your total balance

Interest earned by year month 5:
	Your earnings	$1677.40
	National Average	$481.52
Total interest earned = $1677.40

Our partners regularly offer APYs that are 2-4x higher than the national average – so you can grow your savings faster.

Learn more

Latest articles

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

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When mortgage rates stay stubbornly high, smart buyers pause and grow their savings instead. Here’s why this strategy pays off big.

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Saving money isn’t just about cutting costs. Sometimes, it’s about reframing how you spend your time. Here’s how one mindset shift helped me avoid impulsive purchases and grow my savings with less [...]

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Most savers aren’t moving money despite 4 percent rates being available. This inertia could cost thousands in lost interest income.

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Fed officials indicate that interest rates will remain steady at its next meeting.

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Budgeting may be unpopular, but it’s important to know where your money is going.

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Finding the account number on a check is easy — if you know where to look.

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This type of account can offer a low-risk way to earn a high yield.

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