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

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As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

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Find out which CD term is best for your financial goals in a lower rate environment.

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If you’ve been thinking of getting a longer-term CD, you may want to make a move.

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Know the two major benefits of opening a CD now, even as interest rates decline.

All CDs have one thing in common: They’re among the safest places to park your cash.

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

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.

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Interest rates are not coming down as quickly as they surged.

Women using digital tablet to check her finances at home office

For savers, here’s what to consider when the Fed lowers interest rates.

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

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

Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment

Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.

The Federal Reserve’s actions can influence student loan interest rates.

Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?

person taking cell phone photo of a shirt from the closet

Your closet could be a treasure trove for making extra cash.

A savings account can be a great tool to teach your child about money. Here are a few of our favorites.

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Savings yields topping inflation could let you hold onto your purchasing power.

Senior couple sitting at the kitchen table looking at digital tablet and recalculating their expenses.

Consider a savings account with an APY above the inflation rate.

Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.

As the Fed is cutting interest rates, consider these certificates of deposit (CDs)

Find out which CD term is best for your financial goals in a lower rate environment.

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

The trusted provider of accurate rates and financial information

Certificates Of Deposit

Explore CD basics

Stay updated on CD rate trends

Today's CD rate news

Experts in all things banking

Compare top-rated banks

Review our top banks of 2025

Calculate your estimated CD earnings

Latest articles