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.

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Latest articles

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.

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

Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Clocks are displayed across an image of a dollar bill.

Take a look at the days when CDs were offering investors double-digit returns.

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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With the Fed holding steady on rates for now, is it still a good time to buy stocks?

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.

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.

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

The trusted provider of accurate rates and financial information