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Certificates Of Deposit

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Explore CD basics

Man at laptop, deep in thought

The pros and cons of CD investing

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
By Libby Wells
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Tax considerations for certificate of deposit (CD) investors

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
By Karen Bennett
4 min read
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CD ladder: What it is and how to build one

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
By René Bennett
5 min read

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.

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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.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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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.

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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

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Chief Financial Analyst

Sarah Foster

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Principal U.S. Economy Reporter

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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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  • Introduction to Certificates of Deposit
A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

What is a CD (certificate of deposit)?

CDs often pay better interest than savings accounts and can amp up your nest egg.
A young man researches in the library.

How do CDs work? Learn about rates and terms

CDs hold your funds for a set period. In exchange, you get a reliable return.
A father multi-tasks with his young son.

How to invest with CDs

Savers, here are strategies to invest in CDs.
woman working on her laptop at the kitchen table

12 types of CDs: Which one is best for you?

CDs come in many varieties, making it easy to find one that meets your needs.
Middle aged woman on laptop

How to open a certificate of deposit (CD)

Everything you need to know about opening an account.
woman using laptop in the kitchen

Top 18 tips for CD savers

These tips can help maximize your savings using certificates of deposit.
A woman ponders

What to do when a CD matures

Find out what happens to CDs that are set to mature.
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Best CD Rates

Latest articles

A person researches on a laptop.

Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Feb 24, 2025
Personal banker instructs clients concerning online banking

5 things to know before opening a CD

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.
Feb 24, 2025
Woman watering plants.

Current CD rates for February 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Feb 20, 2025
A young man researches in the library.

How do CDs work? Learn about rates and terms

CDs hold your funds for a set period. In exchange, you get a reliable return.
Feb 17, 2025
Woman frowning at a laptop screen

Here’s when an early withdrawal from a CD is worth it

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
Feb 17, 2025
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

Here’s how much investing $10,000 in a CD right now could earn you in 1 year

If you have $10,000 to invest in a CD right now, here’s how much you could earn.
Feb 13, 2025
Clocks are displayed across an image of a dollar bill.

Historical CD interest rates: 1984-2025

Take a look at the days when CDs were offering investors double-digit returns.
Feb 03, 2025
Woman with glasses in front of a computer with her hand by her head, looking worried.

What should you do if you miss your CD’s maturity date?

It’s important to weigh your options after missing your CD’s maturity date.
Jan 31, 2025
A person researches on a laptop.

Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Feb 24, 2025

More people are taking out HELOCs. Here’s why

Home equity lines of credit are growing in size and volume.
Feb 17, 2025
A picture of various cryptocurrencies

Cryptocurrency: What it is and how it works

Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.
Feb 17, 2025
Traders work on the floor of NYSE

The Fed may not lower rates in 2025 — is now a good time to buy stocks?

With the Fed holding steady on rates for now, is it still a good time to buy stocks?
Feb 13, 2025
Woman reaching in to the air for cash

What is inflation? Here’s how rising prices can erode your purchasing power

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
Feb 12, 2025
Homes in Charleston

How are mortgage rates determined?

Understanding mortgage rate movements could save you money.
Feb 12, 2025
couple working on home finances

How to break the credit card debt cycle

Learn about five ways in which you can break out of the credit card debt cycle.
Feb 07, 2025
Donald Trump sitting at a desk in the Oval Office.

Should bond investors beware Trump tariffs? How proposed tariffs could hit bonds

Tariffs are an import tax on foreign-made goods, and they act like a sales tax.
Feb 06, 2025
A person researches on a laptop.

Are CDs worth it right now? Here’s what experts say

Learn when a CD is worth it, when it is not, and alternatives to consider in 2025.
Feb 24, 2025
BIPOC woman meeting with female financial advisor

How to choose the right savings account: 7 questions to as

Finding the right savings account consists of comparing rates, fees and more.
Feb 24, 2025
couple at pharmacy

HSA vs. FSA: The difference and how to choose

These are the key differences between an FSA and an HSA, and how to choose the right one for you.
Feb 24, 2025
Personal banker instructs clients concerning online banking

5 things to know before opening a CD

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.
Feb 24, 2025
Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

What is the average interest rate for savings accounts?

Comparing savings rates can ensure you get the best return on your savings.
Feb 21, 2025
Close up of female accountant or banker making calculations

How I built a six-figure net worth on a five-figure salary

Take control of your money and build a six-figure financial foundation. Here’s how.
Feb 20, 2025
Woman watering plants.

Current CD rates for February 2025

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Feb 20, 2025
Financial manager meeting with couple in bank branch office

National average money market account rates for February 2025

Get the latest rates on top-yielding money market accounts.
Feb 20, 2025
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