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.

Clocks are displayed across an image of a dollar bill.

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.

Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology

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.

Federal Reserve Chair Jerome Powell speaks at a press conference after a Federal Open Market Committee (FOMC) meeting

Fed officials signaled no immediate plans to begin cutting interest rates.

The Fed’s policy toolkit has changed almost as much as interest rates itself.

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.

Federal Reserve Chair Jerome Powell holds a news conference after a Federal Open Market Committee meeting in Washington, DC, on Jan. 31

How will the Fed juggle hotter inflation with a rising unemployment rate?

Illustration of Chair Jerome Powell in front of the podium at a post-meeting press conference

The Fed plays a role in influencing every financial decision you make.

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

How might a recession affect the housing market? Find out what the experts think.

The share of single women homebuyers continues to outpace the share of single men in the housing market.

Man blocking face by holding a stop sign in front of himself

Americans’ credit woes might not turn around until the Fed eventually cuts rates.

Garage sale in grass on street curb with autumn trees background

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.

Young woman working from her kitchen island and drinking a hot beverage

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.

The trusted provider of accurate rates and financial information