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

Find out what happens to CDs that are set to mature.

Everything you need to know about opening an account.

A collection of assorted items: old analog alarm clock, padlock, keys, a check, a hand holding cash

CDs often pay better interest than savings accounts and can amp up your nest egg.

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

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

Personal banker instructs clients concerning online banking

A CD often earns a competitive, fixed rate. Here’s what to know before opening one.

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

CDs hold your funds for a set period. In exchange, you get a reliable return.

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

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Here’s the difference between APY and interest rate.

Find out what happens to CDs that are set to mature.

Everything you need to know about opening an account.

CDs often pay better interest than savings accounts and can amp up your nest egg.

A bounced check is something that should be avoided. Here’s what you need to know.

Keeping your savings in a bank down the street may seem like the obvious play, but there may be real downsides for doing so.

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