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

Learn how CD ladders and partial withdrawals can be used to fund emergency savings.

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

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

Withdrawing your money from a CD before the term ends can be costly.

It’s possible to leverage the money in your CDs to grow your emergency savings.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

Clocks are displayed across an image of a dollar bill.

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

Prices rise and fall all the time in the U.S. economy. It’s not always inflation.

You can find a CD account that significantly out-earns the national average if you shop around among banks.

If you have credit card debt, your interest rates are likely to remain high in 2025.

It just might be. But don’t forget the fundamentals of how home equity loans work.

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

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

Fed Chair Powell Holds News Conference Following FOMC Rate Decision

This Fed communication tool is important, but be cautious when interpreting it.

The Fed’s latest cut means cheaper business loans. Here’s what it means for you.

These financial products are very similar but have some key differences.

A savings account is a useful financial tool for building a stable financial future.

It’s easy to open a savings account. Just make sure you have this information handy.

Deciding between a CD and a savings account? Here’s what you need to know.

CDs and MMAs can pay competitive rates, but they have different drawbacks and benefits.

Design element of a pile of cash with a illustration of a city in the background

That $100K salary goes a lot further in some metros than others. Here’s why.

Bankrate’s list of all the failed banks in every U.S. state from 2009 to 2024.

Illustration of construction workers on a roof

An emergency fund is an essential part of a solid financial plan.

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