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.

Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 03/13/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.08^%_APY

National Average

1.89^%_APY

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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CDs come in many varieties, making it easy to find one that meets your needs.

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

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If you have $25,000 to invest in a CD right now, here’s how much you could earn.

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When policymakers and investors seek economic insight, they often use a tool called the yield curve. A yield curve measures the spread between yields on short- and long-term maturity bonds over time. It’s [...]

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

Everything you need to know about opening an account.

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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.

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

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

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And if so, how low can they go?

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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.

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Finding the right savings account consists of comparing rates, fees and more.

These are the key differences between an FSA and an HSA, and how to choose the right one for you.

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

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Learn why you need to check your APY.

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Take control of your money and build a six-figure financial foundation. Here’s how.

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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

Weekly CD Rates

National Average

Experts in all things banking

Compare top-rated banks

Review our top banks of 2025

Calculate your estimated CD earnings

Latest articles