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

woman working on her laptop at the kitchen table

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.

Illustration of calculator and stacks of cash

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

Illustration of a bar graph, moving down from left to right.

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.

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.

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?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

Banking_How-the-Fed-Rate-Affects-Housing_

The Fed hit the pause button on rates. How will it affect the housing market?

The Federal Reserve just lowered interest rates for the first time in four years.

Auto rates will likely not decrease this year. Consider how to still save.

Federal Reserve Eccles Building illustration

The key benchmark has been as high as 20 percent — and as low as 0 percent.

Fed chair Jerome Powell speaks to reporters at a Fed meeting

The Federal Reserve announced that it’s holding interest rates steady following its Jan. 28-29 meeting.

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

The Federal Deposit Insurance Corporation building

Here’s a look at every time the FDIC has increased its deposits insurance limits.

The APY percentage shows how much an account earns per year. Here’s what you need to know.

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

Take these simple steps to jumpstart your savings plan for a new car.

Illustration of hand reaching into a computer

On average, Americans have kept the same bank accounts for over a decade.

Financial manager meeting with couple in bank branch office

Get the latest rates on top-yielding money market accounts.