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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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.

Young Asian woman using smartphone while relaxing on armchair, checking her bank account via online banking and managing her finances. Online personal banking. Wealth management. Digital banking habits. Smart banking with technology

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.

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

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.

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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Understanding mortgage rate movements could save you money.

Residential area with architectural homes on Main Street

And if so, how low can they go?

Learn about five ways in which you can break out of the credit card debt cycle.

woman working on her laptop at the kitchen table

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.

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

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

The trusted provider of accurate rates and financial information