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 03/14/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

4.08^%_APY

National Average

1.88^%_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

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

Add-on CDs can offer more flexibility than a traditional CD.

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

woman working on her laptop at the kitchen table

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

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.

Illustration of a person holding a house with a rain cloud over it

How might a recession affect the housing market?

Picture of the front of the Federal Reserve building

A look at what a bank bailout is with some examples of notable bank bailouts from the past.

Fed Chair Jerome Powell speaks during a news conference

Fed officials are trying to prevent an economic slowdown from getting worse.

Tune in to Bankrate’s live coverage of the Fed’s first rate cut since 2020.

Design element with Jerome H. Powell chairman of the Board of Governors

Rate cuts are coming. Just don’t call this a low-rate environment just yet.

The Fed looks poised to leave rates alone in July but signal cuts are coming soon.

Design element of woman sitting at desk in front of laptop.

Wages are on pace to fully recover from inflation by the second quarter of 2025.

Real estate agent greets a client in front of a red brick home

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank

Comparing savings rates can ensure you get the best return on your savings.

Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.

Add-on CDs can offer more flexibility than a traditional CD.

comical illustration of money being injected via medial equipment

Here’s what you need to know about tapping into your emergency fund.

That string of numbers at the bottom of your check is really important. Find out why.

Road Leading Towards United States Capitol

After facing multiple rent increases in Boston, I decided to move to Washington, D.C. — a decision that will save my household approximately $24,000 over two years. Here’s what I learned about relocating [...]

Financial manager meeting with couple in bank branch office

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