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 09/15/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.97^%_APY

National Average

2.03^%_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

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

These CD specials help you earn more money on interest without taking on risk.

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

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

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

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.

Everything you need to know about opening an account.

Although it depends, be mindful of the CD’s terms and how it meets your money goals.

Understanding mortgage rate movements could save you money.

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

Fed rate hike to curb inflation, wooden block with FED and up-down arrows icon. Central banking system and interest rate changes.

We look back at how banks handled rate cuts in 2024, and what to expect in 2025.

Classic style new home exterior view with front porch and front door entrance.

The August jobs slowdown sets the stage for a Fed cut and brought mortgage rates to their lowest levels of the year.

Home and a money bag balancing on a scale

With a big Federal Reserve decision on the horizon, does it make sense to refinance your mortgage now, or wait?

The Federal Reserve Building in downtown Washington DC, USA at night.

The Fed continues to signal lowering rates later this month. Here’s how to prepare.

A downward facing red arrow "crashing" trough a shattering $100 bill.

Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.

Artistic sketch of a businessman on a suspended platform looking down as the platform morphs into a downward arrow with a '%' symbol on its side.

As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.

That includes their checking, savings, money market and CD accounts. Here are the details.

Is it still too soon for the Fed to cut rates?

Here’s why Fed officials are so concerned about the trade war right now.

But the revision was less than economists thought it would be.

For 99 cents per withdrawal, users can move money from their account into another within minutes.

With the best job market in decades, the Fed is wondering why there isn’t more inflation.

The Fed continues to delay any interest rate moves amid persistently low inflation.

The Fed might find itself in a tricky situation.

A pink piggy bank and white envelope in front of a light blue arched square

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