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

Add-on CDs can offer more flexibility than a traditional CD.

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

If you think rates may rise again soon, a bump-up CD could be what you’re looking for.

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.

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

Young couple managing finance and investment online

There’s still time to lock in a high-yielding CD as the Fed suggests cutting rates.

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

Vacant stores stand in Wickliffe, Kentucky

It’s pushed the Fed down a new, uncharted path.

Federal Reserve Chairman Jerome Powell speaks at press conference

It’s the largest emergency reduction in the Fed’s more than 100-year history.

Traders on the floor of the New York Stock Exchange react to news

Here’s who stands to benefit the most from plunging interest rates.

An older couple gestures to a financial contract

The economy is expected to get rougher, but there are ways to take advantage of declining rates.

Federal Reserve Eccles Building in Washington, D.C.

The fed funds rate could quickly approach zero this year, experts said.

People walk outside the New York Stock Exchange

Predictions range from cautiously optimistic to outright warnings.

Rapidly spreading coronavirus has left markets jittery

That’s led the majority of economists to say risks are tilted toward the downside.

Federal Reserve Chairman Jerome Powell speaks at Fed press conference

It’s the first emergency move since October 2008, during the Great Recession.

white-collar woman looks tired in the office

Despite strong economic indicators, many Americans are experiencing a “vibecession.”

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.

Financial manager meeting with couple in bank branch office

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

Add-on CDs can offer more flexibility than a traditional CD.

Man in coffee shop using laptop with a card in his hand.

The rule provides a framework for settling unauthorized debit-card transactions.

Here are easy actions you can take to avoid the fee of get it waived.

woman managing personal banking and finance at home

Working as a freelancer requires a new approach to saving money. Here’s how.

Couple looking at computer with their financial advisor

Local banks provide valuable in-person services that online-only banks can’t offer.

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